Wait a few days/ week after your third statement.. What date is your FICO pulled on the included FICO score... Really do believe they use *that* pull to decide stuff like that...
Id use a few days after your next statement date as to a second try if one a week out didnt work.. Know I did push too early a few times and retried after the rejection and scored.. but id give it a week at least before the initial retry..
As to the third reason code... your payments could have not reported when the report used for the denial was pulled... thats partially why folks pay before statement cuts and dont use their cards a few days before the statement is due to cut.. and use another card... thats the whole 'optimizing thing" but frankly if what im reading is right... its just pulled out of their backside.... also realize reason codes are usually in order of weight... I wouldnt sweat it but its more an artifact of your thin file...
Also discover has gotten a little more reserved again but you should be able to eek out a CLI out of them soon... its was only slightly predictable and then after the secured cards all stopped getting CLIs for a brief time with verification errors... its been a bit slower.....
Really see a CLI in your not too distant future...
-J
Go for it....
Thats what i'd do...
Only trying to avoid those pesky letters in the mail but get you the CLI you deserve =)
Its a SP. but collecting those silly things gets tiresome after awhile... in the past, iv tried to limit it to 1 to 2 tries in a month... the train stopped at least for my account...
The other somewhat bogus code Disco uses on rejections is Not enough exp with current CL..... means its too early for them...
-J
If we are trying to appease them by playing the "optimize" game... if you can... try to zero out the balance on the other two cards before the discover pulls.. not sure you can.. depends on timing and if they will report 0 when paid in full in time.. not so much your score per se.. but trying to eek out the balance reporting on other lines.. (This is all assuming your CLI button request doesnt pan out in the next few days)
Also im of the opinion that weekends are a iffy proposition for CLIs.... if they have to actually look it over... the 20th is when id do it... (your doing a bit of social engineering at the same time)
