topic Re: Discover IT CLI Denial in Credit Card Applications

Discover IT CLI Denial

Jordan23ww — Mon, 21 Jun 2021 23:21:44 GMT

I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

Re: Discover IT CLI Denial

Mr_Mojo_Risin — Mon, 21 Jun 2021 23:37:48 GMT

@Jordan23ww wrote:
I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

After my 1st year with Discover I waited until my 13th statement cut and was approved for a CLI.

I believe it was @Anonymous who posted that DP about waiting until the 13th statement cuts.

Re: Discover IT CLI Denial

Jordan23ww — Tue, 22 Jun 2021 00:21:26 GMT

@Mr_Mojo_Risin wrote:
@Jordan23ww wrote:
I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

After my 1st year with Discover I waited until my 13th statement cut and was approved for a CLI.
I believe it was @Anonymous who posted that DP about waiting until the 13th statement cuts.

@Mr_Mojo_Risin Ooh thank you so much for sharing this info! I'll try again after that 13th statement has been cut to see if I can get similar results!

Re: Discover IT CLI Denial

Mr_Mojo_Risin — Tue, 22 Jun 2021 00:27:17 GMT

@Jordan23ww wrote:
@Mr_Mojo_Risin wrote:
@Jordan23ww wrote:
I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

After my 1st year with Discover I waited until my 13th statement cut and was approved for a CLI.
I believe it was @Anonymous who posted that DP about waiting until the 13th statement cuts.

@Mr_Mojo_Risin Ooh thank you so much for sharing this info! I'll try again after that 13th statement has been cut to see if I can get similar results!

You're welcome! It's hard to keep up with all of these DPs from lender to lender 🤣.

Good luck next month!

Re: Discover IT CLI Denial

Jordan23ww — Tue, 22 Jun 2021 01:00:28 GMT

@Mr_Mojo_Risin wrote:
@Jordan23ww wrote:
@Mr_Mojo_Risin wrote:
@Jordan23ww wrote:
I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

After my 1st year with Discover I waited until my 13th statement cut and was approved for a CLI.
I believe it was @Anonymous who posted that DP about waiting until the 13th statement cuts.

@Mr_Mojo_Risin Ooh thank you so much for sharing this info! I'll try again after that 13th statement has been cut to see if I can get similar results!
You're welcome! It's hard to keep up with all of these DPs from lender to lender 🤣.
Good luck next month!

@Mr_Mojo_Risin you're right about that!😂🤣😂 Thank you for the well wishes!

Re: Discover IT CLI Denial

Crowhelm — Tue, 22 Jun 2021 02:56:45 GMT

@Jordan23ww wrote:
I finally reached my 1 year anniversary last week with Discover and I asked for a limit increase! Didn't at all go how I expected!😜😂

They denied me: “Insufficient experience with current Discover Card credit limit”!😱🙁😔 Guess I just need even more time than 12 months.

I just knew I was good. Spend on it every month. It’s my AZEO card, I always leave a $10-$20 card balance on it. I usually either get close to or max out my 5% category each quarter. Always pay off the balance a couple days after the statement. Not to mention my credit profile is greatly improved since this time last year. I guess I’ll ask again next month!

On the bright side 4 days later Wells Fargo gave me a $3100 limit increase while I waited on the denial letter from Discover to arrive. I wonder if I jumped the gun? I thought my 1 year anniversary was last Sunday. I waited until Monday to ask. I just realized today that my 1 year anniversary was on last Monday. So I asked exactly 1 year from my approval date. My Credit Karma credit report on the Saturday before my request still showed my Discover card age at 11 months but Sunday morning it switched to 1 year. That's why I felt ok asking on last Monday.

Do you need the CLI?? I mean it looks like you have over 160K + available to you. I guess I don't understand why people ask for more and more when they really are not using it? Is there a benefit to that?

Re: Discover IT CLI Denial

babygirl1256 — Tue, 22 Jun 2021 03:06:46 GMT

Congrats on your 1-year anniversary -but- I don't believe anyone has figured-out the Disco CLI formula as of yet. Some are granted CLIs every time they request and others are denied every time they request. The message, “Insufficient experience with current Discover Card credit limit” appears to be a standard response as I; received it 3 months straight ~ in April 2021, May 2021 -and- June 2021. The only reason I request the CLI is to help with my utilization as I increase my credit line and minimize spending!!!

Re: Discover IT CLI Denial

Anonymous — Tue, 22 Jun 2021 19:01:23 GMT

Sorry about the denial but GL with an attempt after the 13th statement. I think you'll have better results.

Re: Discover IT CLI Denial

Anonymous — Tue, 22 Jun 2021 19:19:40 GMT

You answered your own question. Discover is telling you why your denied. Insufficient experience meaning by your balance being reported as nothing or $10.00 there algorithm is indicating your not currently utilizing the credit limit granted. As much as you hate to have an actual balance post my suggestion is that you do ... I would say at least 20% of your credit line .. then apply for a CLI. If/when u get the increase pay your balance down and call request an off cycle post so that your lower balance is reported. Having low balances post works against you when your attempting to get a CLI.

GOOD LUCK

Re: Discover IT CLI Denial

Jordan23ww — Tue, 22 Jun 2021 20:03:26 GMT

@babygirl1256 wrote:
Congrats on your 1-year anniversary -but- I don't believe anyone has figured-out the Disco CLI formula as of yet. Some are granted CLIs every time they request and others are denied every time they request. The message, “Insufficient experience with current Discover Card credit limit” appears to be a standard response as I; received it 3 months straight ~ in April 2021, May 2021 -and- June 2021. The only reason I request the CLI is to help with my utilization as I increase my credit line and minimize spending!!!

@babygirl1256 thank you! You're right! Looks like they can be hard to figure out. I'm gonna try again after I get my 13th statement as another user has suggested. Best wishes to you whenever you ask again!

Re: Discover IT CLI Denial

Jordan23ww — Tue, 22 Jun 2021 20:04:39 GMT

@Anonymous wrote:
Sorry about the denial but GL with an attempt after the 13th statement. I think you'll have better results.

@Anonymous thank you, I appreciate it!

Re: Discover IT CLI Denial

MommomG08 — Thu, 24 Jun 2021 14:52:24 GMT

I am about to close my Discover card. I've had it 3 years now and I've never had an increase. They always change and give random reasons why. They are really frustrating.

Re: Discover IT CLI Denial

FinStar — Thu, 24 Jun 2021 20:11:36 GMT

@MommomG08 wrote:
I am about to close my Discover card. I've had it 3 years now and I've never had an increase. They always change and give random reasons why. They are really frustrating.

What is the current limit on your Discover card?

Re: Discover IT CLI Denial

FalconSteve — Sat, 26 Jun 2021 15:54:25 GMT

Discover doesn't just like to see time between CLI, but also use. That denial reason usual means I haven't used the card enough.

Re: Discover IT CLI Denial

sourpuss29 — Mon, 28 Jun 2021 18:00:09 GMT

@MommomG08 wrote:
I am about to close my Discover card. I've had it 3 years now and I've never had an increase. They always change and give random reasons why. They are really frustrating.

I closed my Discover IT back in Feb after having it for a year and half. It started out as a secured card ($200)...it became unsecured at the seven month mark, at which time they upped my limit to $1200. Even though I used the card a lot, they denied every increase I requested with that tired "insufficient experience..." line; then when I called to cancel, the CSR tried everything under the sun to try and change my mind. After being turned down three times, I was so turned off and no longer wanted to be bothered.

Re: Discover IT CLI Denial

FalconSteve — Mon, 28 Jun 2021 18:06:11 GMT

Sorry you got so frustrated. I love the 5% cash back, but the lack of CLI would irritate me too.

Re: Discover IT CLI Denial

Anonymous — Wed, 04 Aug 2021 00:54:22 GMT

Can I ask a stupid question? Why do you need a CLI if you have all that credit available? Like what is the point?

Re: Discover IT CLI Denial

coldfusion — Wed, 04 Aug 2021 01:27:08 GMT

@Anonymous wrote:
Can I ask a stupid question? Why do you need a CLI if you have all that credit available? Like what is the point?

Because they can?

Because they want to?

Because they occasionally make a 5-figure purchase and want to leverage a CC?

Because they want to pad their utilization?

Because they want to cast a wide net to improve odds of being able to leverage low- or 0%-APR balance transfer offers?

Because it can be easier to get credit when you don't really need it than when you really do need it?

Because they see card collecting as a hobby of sorts?

We don't really get into reasons why here because nobody needs to justify it to the community at large.

Re: Discover IT CLI Denial

Yasselife — Wed, 04 Aug 2021 13:28:53 GMT

Keep us updated. I'm interested in your results.

Re: Discover IT CLI Denial

Yasselife — Wed, 04 Aug 2021 13:35:42 GMT

@Anonymous I finally found the answer to my question; makes sense and in my experience I have requested while having 30-40% UT and I was approved, and when having 0 balances straight denial.