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Discover It No CLI after 3 Months?

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Anonymous
Not applicable
‎03-02-2015 06:28 AM
‎03-02-2015 06:28 AM

Discover It No CLI after 3 Months?

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Message 1 of 16
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15 REPLIES 15
SunriseEarth
Moderator Emeritus
‎03-06-2015 12:58 AM
‎03-06-2015 12:58 AM

Re: Discover It No CLI after 3 Months?

@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

OP, since the original thread was old, I've started a new thread on this topic.

 

Unfortunately, I haven't had a Discover since pre-BK and they're still mad at me (may try again once BK falls off later this year), so I don't have direct advice on this.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 2 of 16
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mitchblue
Valued Contributor
‎03-06-2015 01:07 AM
‎03-06-2015 01:07 AM

Re: Discover It No CLI after 3 Months?

@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Be thankful you got the CLI you did. I got $250 after 8 months. 

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 3 of 16
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bigblue7722
Valued Contributor
‎03-06-2015 03:03 AM
‎03-06-2015 03:03 AM

Re: Discover It No CLI after 3 Months?

@mitchblue wrote:
@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Be thankful you got the CLI you did. I got $250 after 8 months. 

+1 I would be very thankful for any CLI from discover.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 4 of 16
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takeshi74
Senior Contributor
‎03-06-2015 07:42 AM
‎03-06-2015 07:42 AM

Re: Discover It No CLI after 3 Months?

No creditor simply exchanges CLI's for time.  They are always based on credit.  With 50% utilization I'm not surprised though the specific reasons will be cited in the letter.  General advice is do not exceed 30%.

Message 5 of 16
ojefferyo
Valued Contributor
‎03-06-2015 09:38 AM
‎03-06-2015 09:38 AM

Re: Discover It No CLI after 3 Months?

It most likely has to do with the 50% util.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 6 of 16
taxi818
Super Contributor
‎11-18-2015 04:36 PM
‎11-18-2015 04:36 PM

Re: Discover It No CLI after 3 Months?

@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Scores only play a small role. Sorry you were denied but you said it yourself. 50% is  utilization is almost always a denial regardless of history. being 50% say on 1 card and overall utlization say 20 plus percent then ok. All about risk. Time does not equate into automatic cli for sure.

Message 7 of 16
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Anonymous
Not applicable
‎11-18-2015 04:43 PM
‎11-18-2015 04:43 PM

Re: Discover It No CLI after 3 Months?

@taxi818 wrote:
@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Scores only play a small role. Sorry you were denied but you said it yourself. 50% is  utilization is almost always a denial regardless of history. being 50% say on 1 card and overall utlization say 20 plus percent then ok. All about risk. Time does not equate into automatic cli for sure.

8 month old thread and you're replying to a poster who hasn't logged in since April

Message 8 of 16
taxi818
Super Contributor
‎11-18-2015 04:46 PM
‎11-18-2015 04:46 PM

Re: Discover It No CLI after 3 Months?

@Anonymous wrote:
@taxi818 wrote:
@Colombianking wrote:

I received my Discover It card in August 2014 with a CL of $2700 I got an increase to $3500 in November... My credit score now is 730-750 between the three agencies... my utilization is at 50% across 5 credit cards I requested a CLI (it was a soft pull) yesterday and was disqualified for the CLI... letter is coming in the mail...

Scores only play a small role. Sorry you were denied but you said it yourself. 50% is  utilization is almost always a denial regardless of history. being 50% say on 1 card and overall utlization say 20 plus percent then ok. All about risk. Time does not equate into automatic cli for sure.

8 month old thread and you're replying to a poster who hasn't logged in since April

You guys need to get rid of these old threads. no way to purge them? i even saw a 3 year old thread the other day. yikes!!!
Message 9 of 16
Anonymous
Not applicable
‎11-18-2015 04:49 PM
‎11-18-2015 04:49 PM

Re: Discover It No CLI after 3 Months?

or maybe we could all pay attention to the thread dates before posting Smiley Tongue
Message 10 of 16
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