The CLI gravy continues

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
27 posts
User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3753
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: The CLI gravy continues

Postby CarefulBuilder14 » Thu Jun 09, 2016 11:23 am

MemberSince99 wrote:
Tubpbs wrote:On the topic of BoA...what does everyone make of their card lineup? Why the whole lot of nothing? I do think they get a major chunk of regular cash back seeking customers, but they have nothing to offer most consumers in the way of a medium or higher end card (at least not publicly, I know they have some hidden cards?? - is that right or did I make it up?).

I'm curious what everyone else thinks.


Do you mean high end as in amex platinum or Chase Palladian?

In that case you are right I don't know of anything comparable they offer.

It depends on what you are looking for. They have no annual fee on their base cards and decent rewards. That may work well for some. They also give a ten percent bonus if you have checking with them. And some timed offers like say ten percent on your next Starbucks purchase can be really good as well. I liked that.

So I wouldn't say they are bad really.

There have been a few premium cards, though I'm not sure which are still available: Octave, Merrill+, Accolades.

BofA's boring cash back cards can be attractive for someone who:
1. has $100k in brokerage assets
2. doesn't travel much, and doesn't like to deal with complicated loyalty programs
3. just doesn't like the idea of bonus hunting, changing cards each year, or having AF cards
4. would pay fees for investment advisory services, anyway (or is willing to use Merrill Edge to avoid them).
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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

Re: The CLI gravy continues

Postby MemberSince99 » Wed Jul 27, 2016 7:05 pm

Just logged on to activate my new card with chip, and saw they boosted the limit to 33k.

I had requested a CLI the other day. Really wasn't expecting to get it. All I can say is wow, I've never had a card higher than the low 20s before, now broke 30k.

I have to admit it's getting kind of insane so I think I'll lay off of that for a while. That limit is pretty much way more than I need anyway but it will sure help with utilization purposes if I let a balance hit.

Overall favorite card is Discover. They just kicked the limit up to 33k, it's my lowest APR general purpose card, and they just gave me 188 dollars in double cash back. How can you beat that plus all US service.

Tubpbs
Centurion Member
Centurion Member
 
Posts: 833
Joined: Mon Oct 19, 2015 2:08 pm

Re: The CLI gravy continues

Postby Tubpbs » Wed Jul 27, 2016 7:21 pm

MemberSince99 wrote:Just logged on to activate my new card with chip, and saw they boosted the limit to 33k.

I had requested a CLI the other day. Really wasn't expecting to get it. All I can say is wow, I've never had a card higher than the low 20s before, now broke 30k.

I have to admit it's getting kind of insane so I think I'll lay off of that for a while. That limit is pretty much way more than I need anyway but it will sure help with utilization purposes if I let a balance hit.

Overall favorite card is Discover. They just kicked the limit up to 33k, it's my lowest APR general purpose card, and they just gave me 188 dollars in double cash back. How can you beat that plus all US service.


Everyone here knows you prefer overseas call centers. Don't try to lie...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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

Re: The CLI gravy continues

Postby Vattené » Thu Jul 28, 2016 11:15 am

MemberSince99 wrote:I have to admit it's getting kind of insane so I think I'll lay off of that for a while. That limit is pretty much way more than I need anyway but it will sure help with utilization purposes if I let a balance hit.

That's pretty much how I feel, too. I haven't asked for any CLIs in quite a while because what I already have is far beyond what I expect to ever use, even though part of me would like to request more just to see how high I could get it.
-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

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

Re: The CLI gravy continues

Postby MemberSince99 » Fri Jul 29, 2016 8:10 am

Vattené wrote:
MemberSince99 wrote:I have to admit it's getting kind of insane so I think I'll lay off of that for a while. That limit is pretty much way more than I need anyway but it will sure help with utilization purposes if I let a balance hit.

That's pretty much how I feel, too. I haven't asked for any CLIs in quite a while because what I already have is far beyond what I expect to ever use, even though part of me would like to request more just to see how high I could get it.


You should do it. Get the increase while you can. Who knows how long this will continue. My gut tells me it simply can't go on forever and they may well put a halt to CLIs in six months or a year. Even if you never use it, it can't hurt. As they point out you have 0 liability for fraud. Of course how well that works in the real world is anyone's guess. But they may well return to their formerly very conservative roots soon and you go back to being lucky to get 500 bucks in 6 months without a hard pull. I'm now at the point I don't care and that's fine, but I'd say you are leaving limit on the table.

User avatar
amexmember12
Platinum Member
Platinum Member
 
Posts: 78
Joined: Sat Jun 27, 2015 2:04 pm

Re: The CLI gravy continues

Postby amexmember12 » Fri Aug 12, 2016 7:21 pm

Just did a credit increase and they gave me $3k moving my limit to $16,900.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Premier Gold

User avatar
amexmember12
Platinum Member
Platinum Member
 
Posts: 78
Joined: Sat Jun 27, 2015 2:04 pm

Re: The CLI gravy continues

Postby amexmember12 » Sat Nov 26, 2016 8:58 pm

Just requested another CLI form Discover and got approved for $6000 moving me up to $22.9K :lift: :cheers: . Last CLI request was 8/12/2016 ~106 days ago at which time they gave me $3000.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Premier Gold



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 0 guests