topic Discover CLI Declined in Credit Card Applications

Discover CLI Declined

Zosimus — Mon, 25 Apr 2022 16:56:49 GMT

Discover declined my request for a CLI. I received the letter today. The reason I was declined is:

LOW USAGE ON EXISTING LINE OF CREDIT IN PREVIOUS MONTH(S)

TU FICO: 750

At least it wasn't a hard inquiry! I'm not going to up my Discover usage, though.

Re: Discover CLI Declined

OmarGB9 — Tue, 26 Apr 2022 03:24:34 GMT

If you aren't going to up your usage with them, it's highly likely they'll just keep denying for that same reason going forward.

Re: Discover CLI Declined

babygirl1256 — Tue, 26 Apr 2022 03:42:37 GMT

I received Discover denials for almost one year and I was only charging $15 to $20 here and there but on March 31, 2022 I actually charged the x-rays and scans for my major dental surgery . . . I charged it and paid if off right before the statement cut . . . then a few days ago I submitted a CLI and it was surprisingly approved for $1,500 . . . so I'm happy as all outside!!!

Re: Discover CLI Declined

FireMedic1 — Tue, 26 Apr 2022 08:01:18 GMT

Discover loves usage. And is jealous. They want to be your main card. I used the snot out of them when I got the card, then cards, and then combined. If you have no desire to use it. As @OmarGB9 stated. No soup for you in the famous words of @AverageJoesCredit when he tried with usage years ago.

Re: Discover CLI Declined

SDMarik — Tue, 26 Apr 2022 20:57:39 GMT

@Zosimus wrote:
Discover declined my request for a CLI. I received the letter today. The reason I was declined is:

LOW USAGE ON EXISTING LINE OF CREDIT IN PREVIOUS MONTH(S)

TU FICO: 750

At least it wasn't a hard inquiry! I'm not going to up my Discover usage, though.

You might not have to up the usage much. I was stuck with my Discover for a long time, I would ask for a CLI every 6 months and never get any love, I did not really use the card at all after the first year when the cash back match ended. I then started to use it a little bit, maybe 20% utilization on it at most, for a month or two. The next time I asked for a CLI I got the auto approval from $15k to $18.5k, It wasn't a huge bump, but It seemed to indiacte what their hangup was.

Re: Discover CLI Declined

Zosimus — Tue, 26 Apr 2022 21:23:57 GMT

Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.

Re: Discover CLI Declined

FinStar — Tue, 26 Apr 2022 22:15:29 GMT

@Zosimus wrote:
Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.

It appears you have 2 Discover CCs in your signature (unless it's not up-to-date). What are the current limits on each? Which one did you request the CLI? When was the last time it was used?

Re: Discover CLI Declined

HeavyResist — Wed, 27 Apr 2022 04:00:08 GMT

I havent used my Disco much either and its my sons card. I get the same reasons for denials as well.

Re: Discover CLI Declined

Zosimus — Wed, 27 Apr 2022 17:36:20 GMT

@FinStar wrote:
@Zosimus wrote:
Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.
It appears you have 2 Discover CCs in your signature (unless it's not up-to-date). What are the current limits on each? Which one did you request the CLI? When was the last time it was used?

Not up to date. I closed one because Discover asked me for a 4505-T or some such form? To give all my info over to Equifax. So, the $8,900 got closed, but I still have a $7,000 going.

Current balance: $4.56

Past activity:

4/21/2022 A charge for $4.56 (Groceries)

4/5/2022 Internet Payment $196.02 (Just before statement cut)

3/25/2022 A charge for $195.00 (Plumbing services)

3/20/2022 A charge for $1.02 (Food from the gas station across the street)

3/10/2022 Internet Payment $3,800.79 (came into some cash)

2/19/2022 Internet Payment $78.00 (standard payment on promo balance transfer balance)

1/29/2022 Internet Payment $79.00 (standard payment on promo balance transfer balance)

12/22/2021 Internet Payment $499.64 (extra payment on promo balance transfer balance)

Re: Discover CLI Declined

FinStar — Wed, 27 Apr 2022 19:00:44 GMT

@Zosimus wrote:
@FinStar wrote:
@Zosimus wrote:
Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.
It appears you have 2 Discover CCs in your signature (unless it's not up-to-date). What are the current limits on each? Which one did you request the CLI? When was the last time it was used?
Not up to date. I closed one because Discover asked me for a 4505-T or some such form? To give all my info over to Equifax. So, the $8,900 got closed, but I still have a $7,000 going.

Current balance: $4.56

Past activity:
4/21/2022 A charge for $4.56 (Groceries)
4/5/2022 Internet Payment $196.02 (Just before statement cut)
3/25/2022 A charge for $195.00 (Plumbing services)
3/20/2022 A charge for $1.02 (Food from the gas station across the street)
3/10/2022 Internet Payment $3,800.79 (came into some cash)
2/19/2022 Internet Payment $78.00 (standard payment on promo balance transfer balance)
1/29/2022 Internet Payment $79.00 (standard payment on promo balance transfer balance)
12/22/2021 Internet Payment $499.64 (extra payment on promo balance transfer balance)

@Zosimus

Ok, so it appears you had a BT on the card before you paid it down on 3/10. How long were you carrying the ~$3K balance on the card? And, which one did you keep, Chrome or the other?

I would also recommend updating your signature so that whenever any questions arise or you ask the community for feedback, folks can taylor their responses based on some of the information or data from your signature. In other words, why have a siggy if it's not up-to-date. Otherwise, most folks would assume you currently have 2 Discover cards.

Re: Discover CLI Declined

Zosimus — Wed, 27 Apr 2022 19:26:48 GMT

@FinStar wrote:
@Zosimus wrote:
@FinStar wrote:
@Zosimus wrote:
Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.
It appears you have 2 Discover CCs in your signature (unless it's not up-to-date). What are the current limits on each? Which one did you request the CLI? When was the last time it was used?
Not up to date. I closed one because Discover asked me for a 4505-T or some such form? To give all my info over to Equifax. So, the $8,900 got closed, but I still have a $7,000 going.

Current balance: $4.56

Past activity:
4/21/2022 A charge for $4.56 (Groceries)
4/5/2022 Internet Payment $196.02 (Just before statement cut)
3/25/2022 A charge for $195.00 (Plumbing services)
3/20/2022 A charge for $1.02 (Food from the gas station across the street)
3/10/2022 Internet Payment $3,800.79 (came into some cash)
2/19/2022 Internet Payment $78.00 (standard payment on promo balance transfer balance)
1/29/2022 Internet Payment $79.00 (standard payment on promo balance transfer balance)
12/22/2021 Internet Payment $499.64 (extra payment on promo balance transfer balance)
@Zosimus

Ok, so it appears you had a BT on the card before you paid it down on 3/10. How long were you carrying the ~$3K balance on the card? And, which one did you keep, Chrome or the other?

I would also recommend updating your signature so that whenever any questions arise or you ask the community for feedback, folks can taylor their responses based on some of the information or data from your signature. In other words, why have a siggy if it's not up-to-date. Otherwise, most folks would assume you currently have 2 Discover cards.

Yeah, they sent me some checks offering a special rate for 15 months at 3.99% or whatever it was. As for updating my siggy, I can't find Utah Community Credit Union card images, and I've got two of those cards, so I just kind of threw in the towel on getting it perfect. Anyway, the card I had it on is the card that gives you 5% back on random categories. But, for some reason, they insist that you "activate" the category preference. I don't know why.

Re: Discover CLI Declined

FinStar — Wed, 27 Apr 2022 20:08:52 GMT

@Zosimus wrote:
@FinStar wrote:
@Zosimus wrote:
@FinStar wrote:
@Zosimus wrote:
Well, you're almost certainly right that no usage no CLI. However, I didn't post this information for me. I hoped this information would be useful to someone else. In reality, it's hard for any card to beat my Vantage West 5% cash back and my Citi Custom Cash 4% cash back. Discover just isn't even in the running. But, they did update my FICO (as they do once a month) and the score was high. They also gave me some checks and a balance transfer offer. So, I thought I might be due for a bump. Not so.
It appears you have 2 Discover CCs in your signature (unless it's not up-to-date). What are the current limits on each? Which one did you request the CLI? When was the last time it was used?
Not up to date. I closed one because Discover asked me for a 4505-T or some such form? To give all my info over to Equifax. So, the $8,900 got closed, but I still have a $7,000 going.

Current balance: $4.56

Past activity:
4/21/2022 A charge for $4.56 (Groceries)
4/5/2022 Internet Payment $196.02 (Just before statement cut)
3/25/2022 A charge for $195.00 (Plumbing services)
3/20/2022 A charge for $1.02 (Food from the gas station across the street)
3/10/2022 Internet Payment $3,800.79 (came into some cash)
2/19/2022 Internet Payment $78.00 (standard payment on promo balance transfer balance)
1/29/2022 Internet Payment $79.00 (standard payment on promo balance transfer balance)
12/22/2021 Internet Payment $499.64 (extra payment on promo balance transfer balance)
@Zosimus

Ok, so it appears you had a BT on the card before you paid it down on 3/10. How long were you carrying the ~$3K balance on the card? And, which one did you keep, Chrome or the other?

I would also recommend updating your signature so that whenever any questions arise or you ask the community for feedback, folks can taylor their responses based on some of the information or data from your signature. In other words, why have a siggy if it's not up-to-date. Otherwise, most folks would assume you currently have 2 Discover cards.
Yeah, they sent me some checks offering a special rate for 15 months at 3.99% or whatever it was. As for updating my siggy, I can't find Utah Community Credit Union card images, and I've got two of those cards, so I just kind of threw in the towel on getting it perfect. Anyway, the card I had it on is the card that gives you 5% back on random categories. But, for some reason, they insist that you "activate" the category preference. I don't know why.

Ok gotcha.

So, it's the Discover It Cash Back. And yes, you have to activate/opt-in for their quarterly 5% c/b categories. That's just just how the rewards program is set up -- very similar to other mainstream rotator cards like USB Cash+, Chase Freedom [OG] and Freedom Flex, for example.

Re: Discover CLI Declined

7774x — Sat, 30 Apr 2022 22:37:03 GMT

@OmarGB9 wrote:
If you aren't going to up your usage with them, it's highly likely they'll just keep denying for that same reason going forward.

drop Discover ....use/get another card