How long until I can get a CLI on Discover?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
19 posts
czannah
Green Member
Green Member
 
Posts: 18
Joined: Mon Jun 02, 2014 5:52 pm
Location: Atlanta, GA

How long until I can get a CLI on Discover?

Postby czannah » Tue Jul 29, 2014 9:57 am

How long after getting your discover card were you able to request and receive CLI? My Discover limit is lower than my Capital One limit :o and IIRC i've had the Discover card for at least 6 months, maybe longer. The option to request an online CLI is still not available to me. Is there a certain timeframe for that? Also, with the limits I have below, what would be a good target to shoot for once I can request one? I'm thinking I should shoot for the 10k.
CSP 12K
Credit Union card 10K
Marriott Rewards Platinum 5K
Bank Platinum Visa 15K
Credit Union card 5K
Capital One MC 3.5K
Discover IT 1.9K


User avatar
Vattené
Centurion Member
Centurion Member
 
Posts: 1157
Joined: Sun Jan 26, 2014 3:55 am
Location: US

Postby Vattené » Tue Jul 29, 2014 1:11 pm

I got a CLI of $2,300 (up 55% from $4,200 to $6,500) after just having my card 5 months, so you should ask. I called in to talk to someone to make sure the request wouldn't take a hard pull. First they do an internal analysis and if they can't approve it from that, then they go for a hard pull. The CSR had to send me to a credit analyst but I was approved instantly (so I wonder if I could have pulled off a higher request).

That was the first time I ever requested a CLI, so I have no idea what an unreasonable request is. Given your current limit with Discover, I would guess that is a pretty high request if you just go the internal route. However, if it is worth the inquiry to you, I would guess the probability of approval is much higher as they will see your other limits (of course, there are many other factors at play so it depends more on your credit profile).
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Tue Jul 29, 2014 2:16 pm

I was given an auto increase after one year while my friend who also applied the same day as me has received 2 in the past year- we both reported the same income- BUT i have way more credit history and better score than him but only Discover knows why.

I don't want to ask for CLIs on my cards I figured if they give me an auto increase without asking is better than getting an inquiry
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Jul 29, 2014 8:32 pm

I have never, ever received a CLI of any sort from Discover. I asked once and was shot down. They were always my lowest limit card.


It's always YMMV so our experiences will not necessarily be yours. They say you can ask for a CLI after 3 months, and they MAY or may not give you an auto CLI. It always just depends and there is nothing consistent about it between different customers that I can determine.


My suggestion is call and ask if you can get one without a hard pull. If they need a hard pull, I'd probably say no and wait. Totally up to you but they can do a hard pull and still decline you.

notcool
Platinum Member
Platinum Member
 
Posts: 56
Joined: Sun Jan 26, 2014 2:57 pm
Location: usa

Postby notcool » Tue Jul 29, 2014 9:50 pm

nismoZtuner wrote:I was given an auto increase after one year while my friend who also applied the same day as me has received 2 in the past year- we both reported the same income- BUT i have way more credit history and better score than him but only Discover knows why.



Its hard to predict these things. I wonder if your friend has been using the discover card more frequently than you have?

Oddly, I just received a 1,000 auto CLI on my discover (now $11 K) and a 2,000 auto CLI on my Amex revolver (now 7 k). I use the discover frequently ( put thousands through every month) and rarely use the AMEX Blue Cash Everyday (perhaps spent 800 on it total this year). Amex gives me an Auto CLI despite non-use and Discover gave me one last month when I came close to maxing out the limit! I've had discover for 5 years at least and this was the first auto CLI from them! I pay in full every month on all my cards.

Citi gave me a no pull increase last month on my simplicity (now 12k limit) but refuses to raise my Thank You Preferred (6,400 k limit) even a penny without a hard pull! Neither gets a lot of use. My Simplicity has a 12.99 % APR, the Thank You a 19.9 APR but Citi won't budge on reducing the Thank You's APR! (Simplicity account is newer, credit improved a lot since getting the old Thank You). Ironically, I use the Thank You more than the Simplicity.

Sometimes these things don't seem to make much sense at the individual level.

flan
Centurion Member
Centurion Member
 
Posts: 387
Joined: Tue Apr 09, 2013 10:16 pm
Location: chicago

Postby flan » Tue Jul 29, 2014 10:31 pm

nismoZtuner wrote:I was given an auto increase after one year while my friend who also applied the same day as me has received 2 in the past year- we both reported the same income- BUT i have way more credit history and better score than him but only Discover knows why.

I don't want to ask for CLIs on my cards I figured if they give me an auto increase without asking is better than getting an inquiry


Discover is pretty clear about whether they're going to hard pull or not. If it's a soft pull, the text on the CII page says "Enter the amount by which you would like to increase your credit line. Your cash line may be increased proportionally. This request will not affect your credit score." It says something different if it would be a hard pull. Enter a number, fill in the rest of the form (the questions vary, but normal income/housing/reason stuff), and click the submit button. They'll say "Yes", "yes, but less than you asked", "No", or "No way!". If they counter or say a plain no, there's an option to reconsider, which is a hard pull. (There is, apparently, a way to do this through the automated phone system, but I've never called about it.)

Discover are almost certainly using the data they use to calculate your fico score to decide to give you a CLI or not, so you can figure out the data they'd be using, and manipulate your other accounts to report what you want.

(Also, contrary to member's experience, Discover has given me lots of increases, some auto, some soft requests. I've had the card about three years, and have gone from $2K to $22K. I don't use it a whole lot, average spend over the life of the card is 400 a month. I'm using it once a month or so, to make sure I get a statement and a credit score, and so far this year, I've spent less than $400 on it. I might put some spend on it, if I hit the 1500 in gas on the Freedom this quarter, and if the 4th quarter is the same online shopping it's been.)

mdl28
Centurion Member
Centurion Member
 
Posts: 211
Joined: Thu Mar 21, 2013 10:18 pm
Location: TX

Postby mdl28 » Tue Jul 29, 2014 11:09 pm

[HTML][/HTML]

90 days from opening account, you are eligible for increase. I just Received 2 auto increases in the past 2 months. Went from 3200 to 4000 to 4200.
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

thom02099
Centurion Member
Centurion Member
 
Posts: 467
Joined: Sat Apr 13, 2013 7:49 pm
Location: Colorado, USA

Postby thom02099 » Wed Jul 30, 2014 9:48 am

czannah wrote:How long after getting your discover card were you able to request and receive CLI? My Discover limit is lower than my Capital One limit :o and IIRC i've had the Discover card for at least 6 months, maybe longer. The option to request an online CLI is still not available to me. Is there a certain timeframe for that? Also, with the limits I have below, what would be a good target to shoot for once I can request one?[color="rgb(0, 0, 0)"][color="red"] I'm thinking I should shoot for the 10k[/color][/color].


I think going from 1.4K to 10K as a first CLI is unrealistic with Discover. You can ASK for anything; what you will receive can be completely different. I think you'd be lucky to go from 1.4K to 5K as the first CLI.

That said, with everything creditwise, YMMV. I started out low at $3K with Discover, got some auto-CLI from them, then asked for a bigger increase and got it. It's not a card I use very frequently, hence not asking for more.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Wed Jul 30, 2014 2:42 pm

notcool wrote:Its hard to predict these things. I wonder if your friend has been using the discover card more frequently than you have?


No, He rarely uses his Discover card... just like me I don't use it much than just pay my phone and internet bill every month. Right now my friend has about 8-10 credit cards which is a lot. and even after that he keeps getting auto increases.
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

notcool
Platinum Member
Platinum Member
 
Posts: 56
Joined: Sun Jan 26, 2014 2:57 pm
Location: usa

Postby notcool » Wed Jul 30, 2014 9:18 pm

nismoZtuner wrote:No, He rarely uses his Discover card... just like me I don't use it much...


Strange isn't it? Well congrats to your friend! Maybe you shall get one too, but if not it may be no big deal because you don't much use the card anyhow.

It can be strange. Like I said I just got an auto CLI from AMEX though I barely use their card and one from Discover, which I use all the time. I sure can't predict what the computers and algorithms will do to my credit lines!



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 2 guests