topic Discover CLI Request - Under Review - UPDATE: DECLINED in Credit Card Applications

Discover CLI Request - Under Review - UPDATE: DECLINED

ultimaterewardsguy357 — Thu, 16 Apr 2020 17:54:37 GMT

Hello Everyone!

I came across past posts whether this has been hit or miss and you either get a CLI or you do not. I applied for this request on April 11th (31 days from when I got the email congratulating me on my March 8th double dip CLI) at 9:30ish PM and then saw the message above. On April 8th (31 days from my last CLI, I got the "Insufficient Experience With Current Limit") and then called on the 10th to speak with a credit analysts and he mentioned Discover's policy changed from reviewing every 3-6 months for CLIs to every 12 months and this happened very recently. This gentleman was very kind, pleasant and told me that since it is a SP, I can request a CLI until I am blue in the face and it's typically their system that grants the increases based on your credit report and other factors. He also mentioned they moved away from having a human review your CLI request because then it becomes personal and due to the economy they have had to shift how they do things.

Question for you, should I wait until after tomorrow to follow up Wednesday or Thursday to call and speak with someone about this? Or should I leave it alone, keep the card PIF and request a CLI in May after the statement closes on April 23rd?

Update 4/16/2020: I called a CLI Specialist directly, she had a lovely voice. She reitereated that Discover just adopted a new policy to wait until accounts are 1 year old (this varies with the market and can change next month or in a few months; it just varies) before approving CLIs but since I recently got a CLI after 3 months then I am probably exempt from that rule so she advised that they'd like to see a little more experience with my new CLI at least 60 days is what they typically ask just to make sure that consumers can handle the CLI. So my plan is wait until my statement cuts and try again on May 8th and then again June 8th. I have shifted to spending at least $2,000 on the card every month so maybe they may bump be up from $1K to $2K. Let's see. Stay tuned

Re: Discover CLI Request - Under Review

601flyguy — Tue, 14 Apr 2020 05:57:52 GMT

This message usually results in success.

Re: Discover CLI Request - Under Review

M_Smart007 — Tue, 14 Apr 2020 09:00:45 GMT

@ultimaterewardsguy357 wrote:

Hello Everyone!

I came across past posts whether this has been hit or miss and you either get a CLI or you do not. I applied for this request on April 11th (31 days from when I got the email congratulating me on my March 8th double dip CLI) at 9:30ish PM and then saw the message above. On April 8th (31 days from my last CLI, I got the "Insufficient Experience With Current Limit") and then called on the 10th to speak with a credit analysts and he mentioned Discover's policy changed from reviewing every 3-6 months for CLIs to every 12 months and this happened very recently. This gentleman was very kind, pleasant and told me that since it is a SP, I can request a CLI until I am blue in the face and it's typically their system that grants the increases based on your credit report and other factors. He also mentioned they moved away from having a human review your CLI request because then it becomes personal and due to the economy they have had to shift how they do things.

Question for you, should I wait until after tomorrow to follow up Wednesday or Thursday to call and speak with someone about this? Or should I leave it alone, keep the card PIF and request a CLI in May after the statement closes on April 23rd?

Under review is a good sign

Re: Discover CLI Request - Under Review

seattletravels — Tue, 14 Apr 2020 11:35:16 GMT

Good luck. I requested a CLI for disco and got no soup. There is something in my profile that makes her swipe left everytime.

Re: Discover CLI Request - Under Review

AllZero — Tue, 14 Apr 2020 17:22:22 GMT

Good luck on your CLI request!

Re: Discover CLI Request - Under Review

MudkipsRKooL — Tue, 14 Apr 2020 18:43:51 GMT

Not sure what you mean but it's 3-6 months after you get the card and after 6 months it's every 31 days. I heard requesting every 60 days will garentee a CLI more than every 31 days.

Re: Discover CLI Request - Under Review

AverageJoesCredit — Tue, 14 Apr 2020 21:46:14 GMT

@MudkipsRKooL wrote:
Not sure what you mean but it's 3-6 months after you get the card and after 6 months it's every 31 days. I heard requesting every 60 days will garentee a CLI more than every 31 days.

Requesting every 60 days does not gaurentee anything. Disco cli are as random as a lottery draw.

Re: Discover CLI Request - Under Review

AverageJoesCredit — Tue, 14 Apr 2020 21:47:37 GMT

Under review used to spell good chance at success. As of late its really a toss up . Ive found if your cli isnt instant , best to try again later.

Re: Discover CLI Request - Under Review

Anonymous — Tue, 14 Apr 2020 22:28:45 GMT

Hoping the best for you! Keep us updated.

Re: Discover CLI Request - Under Review

JR_TX — Tue, 14 Apr 2020 22:32:44 GMT

So Congrats?

Re: Discover CLI Request - Under Review

ultimaterewardsguy357 — Wed, 15 Apr 2020 01:54:26 GMT

@Anonymous wrote:
Hoping the best for you! Keep us updated.

Thanks! No one has advised whether I should call or not. Lol I guess I'll wait it out...

Re: Discover CLI Request - Under Review

ultimaterewardsguy357 — Wed, 15 Apr 2020 01:56:05 GMT

@JR_TX wrote:
So Congrats?

2 business days concludes today. I will check my account tomorrow. No one has advised whether I should call or not. Lol I guess I'll wait it out...maybe call back Thursday and give Disco an extra day for review.

Re: Discover CLI Request - Under Review

ultimaterewardsguy357 — Wed, 15 Apr 2020 01:57:43 GMT

@AverageJoesCredit wrote:
Under review used to spell good chance at success. As of late its really a toss up . Ive found if your cli isnt instant , best to try again later.

That was my understanding as well about it being 50/50. I think I will just follow up on Thursday for good measure if I don't see anything EOB tomorrow.

Re: Discover CLI Request - Under Review

ultimaterewardsguy357 — Wed, 15 Apr 2020 01:58:22 GMT

@M_Smart007 wrote:
@ultimaterewardsguy357 wrote:

Hello Everyone!

I came across past posts whether this has been hit or miss and you either get a CLI or you do not. I applied for this request on April 11th (31 days from when I got the email congratulating me on my March 8th double dip CLI) at 9:30ish PM and then saw the message above. On April 8th (31 days from my last CLI, I got the "Insufficient Experience With Current Limit") and then called on the 10th to speak with a credit analysts and he mentioned Discover's policy changed from reviewing every 3-6 months for CLIs to every 12 months and this happened very recently. This gentleman was very kind, pleasant and told me that since it is a SP, I can request a CLI until I am blue in the face and it's typically their system that grants the increases based on your credit report and other factors. He also mentioned they moved away from having a human review your CLI request because then it becomes personal and due to the economy they have had to shift how they do things.

Question for you, should I wait until after tomorrow to follow up Wednesday or Thursday to call and speak with someone about this? Or should I leave it alone, keep the card PIF and request a CLI in May after the statement closes on April 23rd?
Under review is a good sign

I hope so LOL

Re: Discover CLI Request - Under Review

ultimaterewardsguy357 — Wed, 15 Apr 2020 01:59:03 GMT

@601flyguy wrote:
This message usually results in success.

Thanks! I hope so, too.

Re: Discover CLI Request - Under Review

Anonymous — Wed, 15 Apr 2020 19:17:02 GMT

@ultimaterewardsguy357 wrote:
@Anonymous wrote:
Hoping the best for you! Keep us updated.
Thanks! No one has advised whether I should call or not. Lol I guess I'll wait it out...

I don't have any advice for you because I have only request 1 CLI and it was declined. 🤷🏻‍♀️

Re: Discover CLI Request - Under Review

AverageJoesCredit — Wed, 15 Apr 2020 19:27:25 GMT

@ultimaterewardsguy357 wrote:
@AverageJoesCredit wrote:
Under review used to spell good chance at success. As of late its really a toss up . Ive found if your cli isnt instant , best to try again later.
That was my understanding as well about it being 50/50. I think I will just follow up on Thursday for good measure if I don't see anything EOB tomorrow.

Do what i do, still dont see it, smash again.

Man the postsl service be cray cray. Go days without nothing then today everything,....8 more denials lol. I think im done for sure now. Being unemployed isnt best way to smash

Re: Discover CLI Request - Under Review

Anonymous — Wed, 15 Apr 2020 20:09:26 GMT

Hope to hear of your success!

Re: Discover CLI Request - Under Review

randomguy1 — Thu, 16 Apr 2020 17:39:39 GMT

Mine went under review and I waited... Did not hear anything from Discover. I smashed the button again several days later and got my CLI. As busy as lenders are nowadays, I'm not sure if the review will go anywhere. Mine was pre-covid-19.

Re: Discover CLI Request - Under Review - UPDATE: DECLINED

AllZero — Thu, 16 Apr 2020 18:57:01 GMT

Hope you get better luck next time.