@DeeBee78 wrote:
There is no rhyme or reason to Discover CLI's. For a while there, it was pretty easy to get small, consistent CLI's that would eventually lead to larger CLI's. This was on a 30, 60, or 90 day cycle.
Now, they've closed down the gravy train, and people like myself can't get a CLI past their initial SL. I keep asking every month after my statement cuts, but I'm still stuck at 4.5K.
There's always a reason even if it's not apparent at first glance, or even after some digging. How long have you had your Discover? Did you ever get an auto CLI at two or three months? What were your scores when you got your card, and what are they now? Are there any significant derogatory items on your credit reports? Did you start out from a secured card that was later graduated to unsecured, or was it an unsecured card from the start? What kind of spend do you put on the card monthly, and do you PIF or carry a balance? Is Discover a card you use frequently, or just once or twice a month?
I think, from what I've seen here over the past months, that all of these factors can affect your likelihood of getting CLI's.
