Another Discover CLI Rejection

CarbonCard · ‎08-11-2020

Man I haven't logged in and posted here in a long time but I thought I'd share my recent CLI attempt experience so we have more data points here. But anyways, about a week or so ago, I tried to do a CLI with Discover because I started using it to buy car parts off eBay (taking advantage of that 5%). I already have a hunch that I will not get approved because my limit is already pretty high, but I was wrong. They didn't approve my CLI because I haven't been using the card for the past few months.. In retrospect, it does make sense because I just recently started using it.. Oh well I may call them or just try again in a few months.

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus
Take the myFICO Fitness Challenge

M_Smart007 · ‎08-11-2020

You are not alone, I have had plenty of Disco Rejection

I am sure others have had to. Most lenders are in "tighten purse strings" mode right now.

I gave up asking Her out, way too many denial letters!

Anonymous · ‎08-11-2020

I got the finger this morning too. Last time it was a No for not using enough of my line. Been running through 50%+ of my limit and paying to zero and today was still a No. curious what the letter will say this time.

CarbonCard · ‎08-11-2020

Yeah I haven't asked Discover for CLI in awhile so I thought why not ask for one since I'm using it now, but it's no biggie that I didn't get it. I also understand why they're stingy with credit limits right now.

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus
Take the myFICO Fitness Challenge

AverageJoesCredit · ‎08-11-2020

@CarbonCard wrote:
Man I haven't logged in and posted here in a long time but I thought I'd share my recent CLI attempt experience so we have more data points here. But anyways, about a week or so ago, I tried to do a CLI with Discover because I started using it to buy car parts off eBay (taking advantage of that 5%). I already have a hunch that I will not get approved because my limit is already pretty high, but I was wrong. They didn't approve my CLI because I haven't been using the card for the past few months.. In retrospect, it does make sense because I just recently started using it.. Oh well I may call them or just try again in a few months.

How high is your limit?

Citylights18 · ‎08-11-2020

Not a successful Discover CLI for me in quite a few months now.

Got rejected for my 6 months over at Citi with a 757 due to inexperience with current credit limit.

CarbonCard · ‎08-11-2020

@AverageJoesCredit not ridiculously high, $14k.

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus
Take the myFICO Fitness Challenge

AverageJoesCredit · ‎08-11-2020

@CarbonCard wrote:
@AverageJoesCredit not ridiculously high, $14k.

Still good though. Im poor and i achieved 16.5 on my It. Honestly, i woyld not take any Disco cli rejection personally. They are so random that getting any is a special feat in and of itself. Just be glad it isnt like Cap One lol. Though to be fair if one spends heavy enough one has a higher chance of getting a cli from C1 whereas you could spendthe moon on Disco and still get squat.

AverageJoesCredit · ‎08-11-2020

@Citylights18 wrote:
Not a successful Discover CLI for me in quite a few months now.

Got rejected for my 6 months over at Citi with a 757 due to inexperience with current credit limit.

In fairness, cant really compare Citi cli with Disco because if you are eligble you can get 6 month cli from Citi like clockwork whereas Disco has no set cli policy.