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Frequent Contributor
Posts: 426
Registered: ‎02-09-2012
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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
Posts: 869
Registered: ‎07-04-2012
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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 .

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Valued Member
Posts: 28
Registered: ‎06-11-2012
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Re: Discover More CLI....denied :-(

Do they hard pull?

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
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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
Posts: 426
Registered: ‎02-09-2012
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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
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
Posts: 369
Registered: ‎02-01-2010
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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: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Regular Contributor
Posts: 204
Registered: ‎08-03-2010
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Re: Discover More CLI....denied :-(

+1

Super Contributor
Posts: 6,629
Registered: ‎04-07-2008
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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
Posts: 426
Registered: ‎02-09-2012
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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....
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