6 months and 2 CLIs

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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jcarte29
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Re: 6 months and 2 CLIs

Postby jcarte29 » Fri Oct 30, 2015 8:55 am

takeshi wrote:
jcarte29 wrote:I just went for a soft pull CLI on discovers site and only received a 500 increase....meh. I don't really need it but I was hoping for a little more.

Should I have skipped the online request and called maybe?

Doesn't matter as the method doesn't change your credit and income. If you got $500 that's what you qualified for. If you were expecting more you might need to readjust your expectations. What improvements to your credit do you think justified a bigger CLI? Or were you just expecting a bigger one based solely on time and/or usage?



Like I said, I don't really need it, other than I am going to bring over another B/T (I paid the first one off 14 months early). Just wanted the utilization on that particular card to not be as high. Doesn't change my expectations for better or worse.
Portfolio:
CITI Diamond Preferred $10,500 [06-16]
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AMEX EDay $12,000 [11-14]
Lowes Store $15,000 [4-14]
CSP VISA $6,000 [7-14]
GM MC $9,000 [9-14]
AAdvantage Red MC $10,950 [10-14]
Discover IT $4,500 [03-15]
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[email protected]
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Re: 6 months and 2 CLIs

Postby [email protected] » Fri Oct 30, 2015 11:00 am

Vermonster wrote:
jcarte29 wrote:Should I have skipped the online request and called maybe?


It's pretty much all automated either way. You can ask about once per billing cycle with no problem. Just make sure their still SP's.


I got my first CLI with Discover a few weeks back, noticed my fico score on their site was 742, and even though I had only had the account a little over 2 months, I requested it over the online site and was approved for $500. So you are saying I can ask every billing cycle?
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

Vermonster
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Re: 6 months and 2 CLIs

Postby Vermonster » Fri Oct 30, 2015 11:26 am

[email protected] wrote:
Vermonster wrote:
jcarte29 wrote:Should I have skipped the online request and called maybe?


It's pretty much all automated either way. You can ask about once per billing cycle with no problem. Just make sure their still SP's.


I got my first CLI with Discover a few weeks back, noticed my fico score on their site was 742, and even though I had only had the account a little over 2 months, I requested it over the online site and was approved for $500. So you are saying I can ask every billing cycle?


I wouldn't ask any more often than that. Your credit report would have to change to get a different answer, so asking every day is most likely not worth it. But you should only be asking when there is the option for a soft pull. If you do it online it is pretty clear when they will do a soft vs hard pull.

For example, Citi will let me SP request every week. It doesn't mean anything though as I have been denied the last 6 requests. It's probably because I'm carrying a $2k balance on a $3.1k limit. :P
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

[email protected]
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Re: 6 months and 2 CLIs

Postby [email protected] » Fri Oct 30, 2015 11:34 am

Yeah, I just noticed that now when I pull up my profile, where it shows my Credit limit, underneath that it says ask for credit limit increase...like they are just saying come on ask...LOL
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

[email protected]
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Location: Kentucky

Re: 6 months and 2 CLIs

Postby [email protected] » Fri Oct 30, 2015 11:45 am

Shot down in flames..." at this time, we cannot grant your request to increase your credit line".

SP though
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

JonE
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Re: 6 months and 2 CLIs

Postby JonE » Thu Nov 12, 2015 5:07 am

At some point weren't they giving SP CLIs every 14 days or so? I remember some big thread about that 'that other site'.
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kdm31091
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Re: 6 months and 2 CLIs

Postby kdm31091 » Thu Nov 12, 2015 7:53 am

JonE wrote:At some point weren't they giving SP CLIs every 14 days or so? I remember some big thread about that 'that other site'.


Yes there was a brief period where they were very loose with CLIs. Referred to as the "discover gravy train" on that other site



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