topic Re: Discover 61 day CLI declined in Credit Card Applications

Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 16:44:22 GMT

Ive read on here about allot of people getting CLI's as early as there 61st day. I requested on this morning as it is my 62nd day (forgot yesterday) and I recieved a message that my request was declined due to "Not enough experience with current credit line". I am a bit shocked as I have spent several thousand dollars on the card thus far, and it is by far my lowest credit line of any card in my wallet. Guess I will have to keep trying.

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 16:49:14 GMT

Responses are just normal reasons until the system finds you eligible.

You can go from ineligible today and approved tomorrow.

Try again at 90+ days.

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 17:30:32 GMT

Can't he try again in a couple of days or a week just to see if the days in tIhe system were off for some reason?

If you get a CLI decline from Discover, is it mandatory that you wait another 90 days?

I thought I've read on here that people have been declined one week but then approved the next?

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 18:19:49 GMT

I have read some people putting in the request at the 60th day and being declined and then being approved on the 61st day. I waited a few extra days just to make sure that I was over the 61 day mark that most people see there first increase on. Although there have been several reports of people who place increase requests every week on a certain day of the week and occationally recieve multiple smaller increases in the same month, I think I am going to just start requesting them on Saturdays to see how long it takes them to approve an increase.

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 18:39:30 GMT

It's not always the exact day.

Could be a few weeks early or late.

I would try again in a couple weeks. Its just a generic computer message saying you're a bit "early" for an increase.

Re: Discover 61 day CLI declined

Blodreina — Fri, 24 Jun 2016 19:08:20 GMT

@Anonymous wrote:
Can't he try again in a couple of days or a week just to see if the days in tIhe system were off for some reason?

If you get a CLI decline from Discover, is it mandatory that you wait another 90 days?

I thought I've read on here that people have been declined one week but then approved the next?

I believe this is true; it certainly is for me.

Re: Discover 61 day CLI declined

credit_endurance — Fri, 24 Jun 2016 19:11:30 GMT

I was declined as well on 61st day. got the 7-10 message so I called and requested manual review still came back denied . There reasons was, they based the denial on

my credit report. Same exact one that they approved me for in the first place.Ridiculous! I will try again once they decide to finally update my fico scores. I figure I should'nt have to wait another 90 days to try a cli since your system hasnt updated my current fico scores.

Re: Discover 61 day CLI declined

CreditCuriosity — Fri, 24 Jun 2016 20:18:36 GMT

I was approved 75 days ago for 1k.. Yes that is right 1k from Discover when my high CL is 34.5k and most credit lines are around 15k... Discover is a weird beast.. Tried a few CLI's with them so far to no avail. I have put a few k through mine as well in short time I had it in hopes to get one, but appears I will be lucky to get a 500 CLI on day 91. How they choose whom to give decent or bad limits to I don't think anyone on the forum can figure it out. You most likely will be playing the 500 CLI every 91 day game for a year until you get a bit better one of 1k or whatever at the year mark. Just my take on it. I will just use them for 5% cats or double cash back aka 10% for first year since they have given me what i consider kinda a laughable limit personally. Best of luck to you though!

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 22:42:03 GMT

@CreditCuriousity wrote:
I was approved 75 days ago for 1k.. Yes that is right 1k from Discover when my high CL is 34.5k and most credit lines are around 15k... Discover is a weird beast.. Tried a few CLI's with them so far to no avail. I have put a few k through mine as well in short time I had it in hopes to get one, but appears I will be lucky to get a 500 CLI on day 91. How they choose whom to give decent or bad limits to I don't think anyone on the forum can figure it out. You most likely will be playing the 500 CLI every 91 day game for a year until you get a bit better one of 1k or whatever at the year mark. Just my take on it. I will just use them for 5% cats or double cash back aka 10% for first year since they have given me what i consider kinda a laughable limit personally. Best of luck to you though!

LMAO!!!! I always enjoy reading your posts about Discover. Earlier this year, you were saying they are "bipolar." About a year ago, you were calling them an "odd bird" (I do lots of back reading). lol

Re: Discover 61 day CLI declined

Anonymous — Fri, 24 Jun 2016 23:08:36 GMT

Keep trying! I got my first $400 CLI at 90 days, then a $500 CLI six months later. This is significant for me since I IIBR'd Discover about 11 years ago

Re: Discover 61 day CLI declined

RonM21 — Sat, 25 Jun 2016 20:44:53 GMT

I'm sure the increases will come. Ymmv as to when and how much, regardless of where you stand. That is just how it is sometimes. The good thing is they are one of the few who the average person can possibly get increases within the shortest periods of times.

Re: Discover 61 day CLI declined

Anonymous — Sun, 26 Jun 2016 01:09:39 GMT

@RM21 wrote:
I'm sure the increases will come. Ymmv as to when and how much, regardless of where you stand. That is just how it is sometimes. The good thing is they are one of the few who the average person can possibly get increases within the shortest periods of times.

Very true. And they don't always have to be HPs!

Re: Discover 61 day CLI declined

SOGGIE — Sun, 26 Jun 2016 16:33:37 GMT

That's the spirit OP. Don't give up. I would suggest trying again on the 91st day. However if there have been any significant changes in your credit profile since your last request, you may need to address those issues first (negs, high util, excessive inquiries, many new account, etc.).