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So I got a CLI with discover online about a month ago. I tried today to see if maybe I can get another one. I know some peolpe have gotten two within a month. I tried again today and was denied. IS this a soft pull im assuming? They are sending me a letter to why I was denied. Could It be that I havent had time to show that I can manage the CLI? Sorry guy, Credit newbie here haha. I have the dsicover it for students
@K-in-Boston wrote:
Soft pull. Letter will likely be "insufficient experience with current credit limit." No harm done, it doesn't reset the clock. Discover seems to bucket us into 31, 61 and 91 day eligibility buckets for CLIs.
Or longer it's day 95 for me since last increase i was getting one every 91 days tried today no joy.
Discover is kind of broken at the moment.... http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/m-p/4802538
It should most liekly be a soft pull. But the letter will clarify which. You may have just too new of an account. Depending on the reason conisider waiting 30 days and try again. They may actually review your account for an auto CLI before you hit the love button again.