New Contributor
Posts: 69
Registered: ‎09-13-2012

Recon for Discover CLI Should I even try.

I open the card in Jan of this year opening CL 6,000. At the same time I open about 6 other cards over the following 4 month Plus financed 3 auto loans. I was starting my credit rebuilt/ I was becoming an addict to app so yea. Anyways I was in the garden for a little bit and the itch started so I went for some SP CLI on all my cards. Had some success with Walmart/ BoA(Hard)/ Capital One/ NFCU(SP/Hard) but since Discover was my highest CL I was a little scared to begin with. I'm using carry a balance on the card due the 0% for 18 months. Using about 2800/6000. I tried online and it said I was not able to do it online and that I had to call(SP verifed)  so I did and I was denied. This is my first flat out denial in forever since my rebuilt. Any advise? I'm really working on getting my over all UTL down since right now its around 25-30%. Should I even try or just let it go. It been a week since I got the letter.

Starting Score: FICO EX 580ish (JAN 2008)
Current Score: Walmart TU695 USAA EX 682 CK 657 CS 687(June 2013)
Goal Score: 740+

Last APP 4/9/13 Current Wallet: Discover It 6,000 NFCU Cash Rewards 10,000 Chase Sapphire 5,000 Wal-Mart 3,000 BoA Travel Rewards 2,500 Paypal Extras MC 2,000Capital One Platinum 1,750 USAA secured 850
Posts: 26,788
Registered: ‎09-13-2012

Re: Recon for Discover CLI Should I even try.

Get your util down and try again. Discover SP's regularly, so try after your cr has been updated.
Valued Contributor
Posts: 7,035
Registered: ‎10-21-2012

Re: Recon for Discover CLI Should I even try.

OP - no one is ummune to getting declined.  I would heed 09Lexie's advice and get that utlization down so that you position yourself for a better chance in another 3-6+ months.  Also, you have to let those new accounts age and don't rack up any more unnecessary revolving debt.

Frequent Contributor
Posts: 455
Registered: ‎01-04-2012

Re: Recon for Discover CLI Should I even try.


Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.