Reply
Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012
0

Discover More CLI....denied :-(

My sixth statement cut a few days ago so I decided to give it a shot.  Called in and was denied. :smileysad:  CSR gave no reason, but said I would receive a letter in the mail.  I did some research on here before calling in and couldnt really see a consistent reason Disover approves or denied, so that's why I gave it a shot. Guess I'll just see what the "letter" says.  This gives me flash backs to the days where I had bad credit and  heard denied all the time for stuff....it's fustrating being denied when you are doing things right. :smileysad:

Slowly building....
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

Re: Discover More CLI....denied :-(

What was your util and how did you use your card?

 

I am assuming it was a HP. They seem weird with increases as I have not received an increase in 1 year 5 months of use.

 

Maybe you can wait for the "letter" and call for recon.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Member
thrillege
Posts: 27
Registered: ‎06-11-2012
0

Re: Discover More CLI....denied :-(

Do they hard pull?

Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Discover More CLI....denied :-(


thrillege wrote:

Do they hard pull?


They will tell you if they want to HP before they do. Small increases are typically a SP.

 

Ray

** Every Card has a Job, and Every Card does its Job **

Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012
0

Re: Discover More CLI....denied :-(

I was told it was a soft pull. Also, my overall utl is at about 20%, I use the card a lot and have always either paid in full or paid a huge chunk of the balance. Never late and perfect payment history across all accounts.

Is there other things they look at when deciding on cli's? If they look at inquiries, then that may be a reason since I have alot of them that aren't that old.
Slowly building....
Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010
0

Re: Discover More CLI....denied :-(

I've never gotten a request for a CLI approved by Discover, however, in the past 6 months they decided to give me two auto CLIs (I've been with Discover for 2 years).

Regular Contributor
SpiceIslander
Posts: 348
Registered: ‎02-01-2010
0

Re: Discover More CLI....denied :-(

OP: Do you already have a high limit? Some issuers may deny because they think you have enough credit. Other that that, based on your post, I can't imagine why they would deny you. Good Luck!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Regular Contributor
sgs10
Posts: 204
Registered: ‎08-03-2010
0

Re: Discover More CLI....denied :-(

+1

Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Discover More CLI....denied :-(

Sorry about your decline :smileysad:

 

If it's an auto like most other companies it's a HP

 

Discover is very conservative though. They don't want to push me past $13.5K




Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012
0

Re: Discover More CLI....denied :-(


SpiceIslander wrote:

OP: Do you already have a high limit? Some issuers may deny because they think you have enough credit. Other that that, based on your post, I can't imagine why they would deny you. Good Luck!


Hi! Sorry I am just seeing this......No, I do not have what I would consider to be a high limit. It's only $1,500.  Which is okay for a start...but not to park and live there...LOL! So I was atleast hoping to get an auto CLI of at least $500 to bring me to $2,000.  Oh well..one day...lol! 

Slowly building....

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}