DISCOVER, CLI DENIAL 90 DAYS????

[Anonymous]

Hello. Would like to see if I could get any advice. I have had a discover card since December. Early December, like the 2nd week or so. My 3rd statement cut hasnt been processed yet. I got denied twice (one was from the online app and the other a discover call). The representative seemed like she didn't know what she was doing much (not to sound rude) , it was more of like she just did what I did online. I've researched the forums saying 90 days or 91. I'm still confused if i need to wait longer? Or I'm just getting denied for real. I've had a dismissed ch7 1 1/2 years ago and also my utilization is always 1% before statement cuts. I've been paying huge amounts each month. I've gotten more than 3k in with payments. I don't know how to talk to the representatives. My scores are about 690 for eq, 685 for trans, also 650 exp (exp always seems too slow for each update). Could I kindly get some advice on how to get an approval? Ty in advance!

[Anonymous]

I forgot to add. Im at starting limit of 2200. How much more can i get? The reason I want the increase is for utilization. I like the cashback its why I'm using it often. Could I possibly get x3 cli?

[Anonymous]

If you search around these forums a bit, you'll find each lender has their own CLI methods and they vary quite a lot lender to lender.  The best threads to learn about Discover is http://ficoforums.myfico.com/t5/Credit-Cards/Whats-your-Discover-card-credit-limit/td-p/5108645.  As far as the x3 question goes, I think you may be confusing them with Amex, who will usually grant a x3 soft-pull CLI request after the first 61 days, and thereafter will ususally grant CLI requests every 6 months (Amex did grant the 61 day x3 for me)

The TLDR on Discover is that Discover is all over the place.

I'll start with the few consistencies they demonstrate: (1) CLI requests are soft-pull (2) If they give you an auto-CLI, you can do a same-day CLI request to "double dip" for a little extra (3) For secured discover cards ONLY, they *usually* unsecure the card at 7 months and grant a x2.5 CLI.  I can verify (3) from experience.

That's pretty much where the consistencies end.  Some people have gotten CLIs as close together as 30 days, others (like me) have pushed the CLI button once/month and waited 6 months (6 seems to be about the max, if your credit score isn't dropping).  Basically, keep trying, but don't expect them to act in a consistant fashion.  One poster in the thread I mentioned discussed the idea of using the discover card erratically (one month very high spending PIF, next month high spending & let it report before paying, next low spending, next high spending and pay once/week, next spend 0, etc.) and it actually a pretty interesting idea =P

[joltdude]

1. Wait till after your third statement cuts... even so much as to give it 2-3 days ... 

2. When is discover pulling your FICO score for the statement score?  This factors into the CLI equation..

3. Miss Disco is still  pretty unpredictable.. but again. in my experience.. i waited until an autocli that appeared after the third statement cut by a few days... it was not on the statement.. it was in the account..... Tend to think similar to Amex on this that they "want to get to know you" a bit and your spending/payment habits... 

I do think unofficially that asking too often and too soon can be a slight impediment... Discovers phone folks are not like other banks... its very difficult to impossible to recon (an approval or even a CLI).... its very much like other banks in that what the computer says goes... 

I wouldnt do it too frequently even though its an SP.. perhaps once a month a few days after the statement generates? 

Hope that helps... 

[Anonymous]

There is no guarantee that you are eligible for CLI with Discover after having the account for 90 days. Period.

If they deny you because of age of account, the only thing you can do is to wait longer, this can be additional 3-4 months, but maybe shorter or longer. People with perfect history can still get denied even when having Discover for 6+ months.

[Anonymous]

I am seeing your point. My 6th statement cut is about to go through I think and I still have no cli. My scores went up. I opened up more accounts since discover wouldn't give me a cli. I went with Boa, but for sure I'm not getting that cli until I request it. I'll wait over a year before I pull that trigger with boa since its a hard pull.

[fltireguy]

fYI. BOA is SP now

[Anonymous]

Oh Really? Thanks for the heads up! I've only read about them being hard pulls. 😀

[Anonymous]

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@Anonymous wrote:

There is no guarantee that you are eligible for CLI with Discover after having the account for 90 days. Period.

If they deny you because of age of account, the only thing you can do is to wait longer, this can be additional 3-4 months, but maybe shorter or longer. People with perfect history can still get denied even when having Discover for 6+ months.

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