Charging more more more

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
3 posts
dfm990
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Joined: Sat Apr 02, 2011 2:28 pm
Location: Miami

Charging more more more

Postby dfm990 » Fri Jun 26, 2015 10:18 pm

So my discover has a 2.5k limit right now and none of my other cards are really that much higher than that. I know discover is very finicky with their CLI. Right now the card I mainly put my heavy activity (5-9k/month) is on my Amex Gold, kinda using it as a debit and then paying it off later. If I were to switch my main card to the discover (especially now with double rewards ;)), get to the limit and pay it off, get to the limit, pay it off... so on so forth, making sure to bring the balance down into the 10 percentile before the statement cuts. Would any of this probably have any weight on the chances of scoring more CLIs either manual or automatic (mind you I haven't had any auto, both have been manual)?
Amex Gold NPSL (35000 Approved)(11/13)
Discover It $23500 (12/13)
Bank of America Cash Rewards $13000 (3/13)
Amex BCP $12000 (12/14)
Walmart Store Card $10000 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)


Vermonster
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Re: Charging more more more

Postby Vermonster » Sun Jun 28, 2015 9:31 am

I can guarantee you everyone here wished they had the answer to that. Creditors tend to not have a "plan" or a "system" that can easily be figured out. It prevents people from abusing it. The only thing we can say for sure is that Discover would appreciate the extra business. You can always use it as you main card to show how much you put through it in a month, and take a hard pull for a cli. If you really can put about $10k a month through it, I would ask for $15k.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

takeshi
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Re: Charging more more more

Postby takeshi » Mon Jun 29, 2015 8:57 am

dfm990 wrote:Would any of this probably have any weight on the chances of scoring more CLIs either manual or automatic (mind you I haven't had any auto, both have been manual)?

Usage may help in some cases but the primary factors are credit and income and usage will not overrule those factors.

dfm990 wrote:I know discover is very finicky with their CLI.

As with any creditor it's not a matter of finickiness/generosity/etc. It's all about what one's credit and income qualify for. I haven't had any issues getting CLI's from Discover aside from some odd behavior mentioned in another recent thread. YMMV depending on your credit.



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