Anniversary CLI

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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jrmsu
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Anniversary CLI

Postby jrmsu » Wed Sep 10, 2014 5:40 pm

This month is my 1 year anniversary with Discover. I checked my account last night and noticed my credit limit was higher. This morning I got an email from them that my CL had been increased by $800. It is not much, but it is my third CLI from Discover. I wonder if Discover will continue giving me automatic CLIs or if they pretty much stop after the first year.
My Cards:

Discover It - $8,450 (9/13)
BankAmericard Cash Rewards Visa Signature - $5,000 (4/14)
Chase Freedom - $3,000 (5/14)
AMEX Hilton HHonors - $16,500 (6/14)



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PlyrStar93
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Postby PlyrStar93 » Wed Sep 10, 2014 6:57 pm

Good, that is a huge increase for Discover. I got Discover card back in this May, but I can't even get into the request CLI link.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 10, 2014 7:17 pm

PlyrStar93 wrote:Good, that is a huge increase for Discover. I got Discover card back in this May, but I can't even get into the request CLI link.


Mine dates back to late March, and the link is also inactive. It might become available at the 6-month anniversary.

I don't expect much, given infrequent use of the card.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

flan
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Postby flan » Wed Sep 10, 2014 9:19 pm

PlyrStar93 wrote:Good, that is a huge increase for Discover. I got Discover card back in this May, but I can't even get into the request CLI link.


My last increase from discover was for 20 times that. I don't know why people think discover doesn't give high limits....

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jumbo
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Postby jumbo » Thu Sep 11, 2014 9:47 am

My auto cli from discover pretty much stopped after the 1 year mark.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

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Terry
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Postby Terry » Thu Sep 11, 2014 11:29 am

flan wrote:My last increase from discover was for 20 times that. I don't know why people think discover doesn't give high limits....


Discover has certainly been good to me. I started out with a low limit and high interest rate three years ago and now I have a much higher CL and my standard APR is now 10.24. Thank you Discover!
AMEX Green Card - NPSL [Member Since 1995]
AMEX Everyday Card ($25,000)
Chase Visa Signature ($17,000)
Citi Visa Signature ($16,000)
Discover IT ($17,500)
Sam's Club MasterCard - ($20,000)
Wells Fargo Personal Line of Credit - ($15,000)

FICO's - 803 EX, 805 EQ, 799 TU [01/2017]

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Vattené
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Postby Vattené » Thu Sep 11, 2014 11:59 am

jrmsu wrote:This month is my 1 year anniversary with Discover. I checked my account last night and noticed my credit limit was higher. This morning I got an email from them that my CL had been increased by $800. It is not much, but it is my third CLI from Discover. I wonder if Discover will continue giving me automatic CLIs or if they pretty much stop after the first year.


If you aren't seeing auto-CLIs in the future, call them up and see what they can do for you. I've gotten one increase (and a substantial one, too) with them from calling to ask for it. I hadn't even had the card for six months at the time. I put absolutely everything I can through Discover, though, so that may be why they showed me some love back.

If you call, they can do just an internal analysis of your account with no hard pulls. So even if you request one down the road and they deny you, you've got nothing to lose.
-Vattené
FICO-8:
EX - 827 (5/17) | TU - 824 (5/17)
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

MemberSince99
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Postby MemberSince99 » Thu Sep 11, 2014 12:14 pm

flan wrote:My last increase from discover was for 20 times that. I don't know why people think discover doesn't give high limits....



They do - to some people. They've just never given ME one which is all I really care about personally....

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Sep 11, 2014 3:14 pm

MemberSince99 wrote:They do - to some people. They've just never given ME one which is all I really care about personally....


For how long did you have your card before you closed it?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

MemberSince99
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Location: WI

Postby MemberSince99 » Thu Sep 11, 2014 3:56 pm

Which one? I had several. I think I went 7 months on the longest. I took a while but finally figured out we just aren't a good match. That's just how it goes I guess.



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