So How Often Then?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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dfm990
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So How Often Then?

Postby dfm990 » Tue Jun 23, 2015 2:31 pm

Well after all the hype there was about the whole 16 day Discover CLI, it seems the general consensus is that its over... It might have been Discover being real nice or a bug in their system lol, who knows... I was late to the party though, i was only able to take advantage of it once and 4 days before my next CLI attempt the reports of it not working started coming in... I tried on 16th and 17th day to be sure but both were a no go (i guess ill be receiving 2 letters anytime soon saying the time in between request was too short...) Oh well, now i guess my question is, how often should i press the CLI button now that things are back to normal and considering i technically got a CLI about 3 weeks ago. 3 months? 4? 6? Before this whole 16 day CLI thing i hadn't really made a habit of asking discover for CLIs.

Also, i know its a soft pull... but its not a big deal that i asked for 2 CLI consecutively within a span of 48 hours, right? Its not like im going to keep doing that, i was just checking if the 16 day thing was really done... Dont wanna piss off Discover, I just wanna raise my limit with them.
Amex Gold NPSL (35000 Approved)(11/13)
Discover It $22500 (12/13)
Bank of America Cash Rewards $7000 (3/13)
Amex BCP $6000 (12/14)
Walmart Store Card $3050 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)


MemberSince99
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Re: So How Often Then?

Postby MemberSince99 » Tue Jun 23, 2015 7:52 pm

If asking for a CLI "pisses them off", then you really don't need them as a lender. They are free to decline your request just as you are free to ask.

Having said that, I'd do it at LEAST every 3 months. 6 at the very outside if for some reason you really want to tread lightly with them. I know of no lender that takes offense to a 6 month request though someone could well pop up with a one in a million exception.....

dfm990
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Re: So How Often Then?

Postby dfm990 » Tue Jun 23, 2015 8:14 pm

MemberSince99 wrote:They are free to decline your request just as you are free to ask.


Lol I guess i never saw it that way, i guess you have a point.

Hmm at LEAST every 3 months? cool i guess i have been a little conservative... and considering its only a soft pull i guess ill start trying more often!
It'd be nice to slowly get my cards above that 10k mark.

Thanks!
Amex Gold NPSL (35000 Approved)(11/13)
Discover It $22500 (12/13)
Bank of America Cash Rewards $7000 (3/13)
Amex BCP $6000 (12/14)
Walmart Store Card $3050 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)

takeshi
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Re: So How Often Then?

Postby takeshi » Wed Jun 24, 2015 8:56 am

dfm990 wrote:Dont wanna piss off Discover

You're not going to piss them off. If you don't qualify you'll get a denial.

As for how often -- your call based on how you think your credit is improving. CLI's aren't just exchanged for time. It's all based on what your credit and income qualify for.

Vermonster
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Re: So How Often Then?

Postby Vermonster » Wed Jun 24, 2015 1:06 pm

Before the 16 day train took off, it was assumed that you could ask after every statement cut without penalty. As long as you aren't taking a hard pull each time, I see no problem with this mentality.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

ingramjuan
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Re: So How Often Then?

Postby ingramjuan » Thu Jun 25, 2015 10:47 pm

Well I just received my nice new discover card and based on other threads it looks like the 16 day CL increase is over. They started me out with an $8k CL, which I was hoping for a $10k. I figure I will just wait for 9 months before I ask for a CL increase. Do you know if the CL increase is a soft and or hard pull? If its a hard pull I guess I will wait for 12 months to ask.
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

MemberSince99
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Re: So How Often Then?

Postby MemberSince99 » Fri Jun 26, 2015 5:55 am

Try after 6 months why wait forever?

Everyone treads in such fear of lenders, you'd think they were going to come to your home, beat your door in, kick the crap out of you, and shoot you leaving you for dead or something.

You really don't have to fear these people like they are the government and are going to ruin your life just because they can. It's JUST a credit card.

As far as being a HP or SP, it will be a SP unless they tell you otherwise, in which case you'll be prompted for whether you want a HP or not. That's what it says and they haven't HP me yet.

ingramjuan
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Re: So How Often Then?

Postby ingramjuan » Tue Jun 30, 2015 9:54 pm

Good Info, will try for a CL increase around December
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes



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