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Discover CLI - DENIED for $500

Frequent Contributor

Discover CLI - DENIED for $500

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: Discover CLI - DENIED for $500


xgac12x wrote:

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.


Join the "Discover hates us thread." Smiley Very Happy

 

Have you tried to recon the denial?

Message 2 of 12
Frequent Contributor

Re: Discover CLI - DENIED for $500


xgac12x wrote:

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.


Perhaps you should wait for the letter. If they've denied you based on incorrect info, ask for recon for sure. It all depends on your total credit profile but Discover is known to be stingy lately. It seems as though they switched places with Capital One. Smiley LOL

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 3 of 12
Frequent Contributor

Re: Discover CLI - DENIED for $500


SpiceIslander wrote:

xgac12x wrote:

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.


Perhaps you should wait for the letter. If they've denied you based on incorrect info, ask for recon for sure. It all depends on your total credit profile but Discover is known to be stingy lately. It seems as though they switched places with Capital One. Smiley LOL


I would join in the laugher with you...but you are right. Discover and Capital One were both my lowest limit cards. However, Capital One's new credit limit increase feature has since made Discover my lowest limit. Smiley Tongue

Message 4 of 12
Frequent Contributor

Re: Discover CLI - DENIED for $500


SSA_2013 wrote:

I would join in the laugher with you...but you are right. Discover and Capital One were both my lowest limit cards. However, Capital One's new credit limit increase feature has since made Discover my lowest limit. Smiley Tongue


I've heard thay many of the issuers have people reading these forums, so I poke fun as necessary hoping they'll get the message. LOL! I never thought I'd see the day when Cap one gets kudos over Discover. Sorry OP, don't mean to hijack.

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 5 of 12
Valued Contributor

Re: Discover CLI - DENIED for $500


xgac12x wrote:

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.


Sorry to hear that, but you could just try again in 90 days. Maybe your account wasnt eligible so they denied you. 

 

Whenever my account is eligible for a CLI the luv button will show up on the home/main page online. When its not then it goes incognito


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 6 of 12
Mega Contributor

Re: Discover CLI - DENIED for $500


xgac12x wrote:

I just got off the phone with Discover and I asked for a CLI of $500, and I got denied instantly. 

 

What should I do once I get the letter in the mail?

 

Thanks.


Shredder, along with card Smiley Very Happy




EQ FICO 548 3/3/16
Message 7 of 12
Valued Contributor

Re: Discover CLI - DENIED for $500

Just to clarify, was it a hard pull?

Message 8 of 12
Super Contributor

Re: Discover CLI - DENIED for $500

did they tell you why you got denied? what is your utilization right now?

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 9 of 12
Frequent Contributor

Re: Discover CLI - DENIED for $500

I only use the card for fuel, and i never carry a balance. I pay it off each time I get paid every two weeks

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 10 of 12