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I have the card 9 months, 3k starting limit. about 60 pct util because of bt's. my scores are in the high 600's. overall util at 14 pct. I have a bunch of hp's 23, but a major chunk of them become 2 years old in the fall and go poof. then i will have about 8 left and some of those will be more than 1 year old. my income is 36000, i am retired. when i get the denial letter i will post the reasons.
@SUPERSQUID SORRY TO HERE DID ME SAME WAY,SO I TURNED AROUND AND APPLIED FOR ANOTHER DISCOVER CARD INSTANT APPROVAL,GO FIGURE BUT MAYBE TOO MANY HP'S.
@engr892 wrote:@SUPERSQUID SORRY TO HERE DID ME SAME WAY,SO I TURNED AROUND AND APPLIED FOR ANOTHER DISCOVER CARD INSTANT APPROVAL,GO FIGURE BUT MAYBE TOO MANY HP'S.
How old was your first discover when you apped for the second?
@SUPERSQUID wrote:
@engr892 wrote:@SUPERSQUID SORRY TO HERE DID ME SAME WAY,SO I TURNED AROUND AND APPLIED FOR ANOTHER DISCOVER CARD INSTANT APPROVAL,GO FIGURE BUT MAYBE TOO MANY HP'S.
How old was your first discover when you apped for the second?
As long as your first Discover is over a year old, you can apply for a second one. I would suggest checking the pre-approval page Discover has to see if you're eligible.
Also, Discover doesn't seem to ever like me either. I receive regular CLIs on other cards, but never Discover. I threw them in my sock drawer because of it. 😆
@Raisondetre wrote:Also, Discover doesn't seem to ever like me either. I receive regular CLIs on other cards, but never Discover. I threw them in my sock drawer because of it. 😆
Discover continually denied my CLI requests for a long time--and then, last year, suddenly something changed! I don't know what, so I can't give you any advice, but all of a sudden they're CLI-happy with me--I've asked for and received three CLIs in the past year.
My account is 31 years old, for whatever that's worth.
I've had mine about 8 months. Smaller starting limit than yours though. But I've been given 2 automatic CLIs and just requested one which they also gave me. Now my limit is only 1750 lol. I'm going to keep at it though!
@Anonymous congrats ,keep it up
@Raisondetre about 3 years ,whats funny is the reason they gave was, to much new credit is why i couldnt get CLI ,but then turn around and give me new card.go figure
I got the heartbreaking letter from Ms disco today.
Drumroll please,
1 - Serious delinquency , and public record or collection filed. " Obviously my bk7 of 12/19 "
2 - Length of time revolving accounts have been established.
3 - proportion of loan balances toloan amounts too high.
4 - Number of inquiries on credit burea.
How in the world did they grant a cc to such a loser in the first place? oops its me, nevermind
@SUPERSQUID wrote:I got the heartbreaking letter from Ms disco today.
Drumroll please,
1 - Serious delinquency , and public record or collection filed. " Obviously my bk7 of 12/19 "
2 - Length of time revolving accounts have been established.
3 - proportion of loan balances toloan amounts too high.
4 - Number of inquiries on credit burea.
How in the world did they grant a cc in the first place?
They can still approve accounts under the guise of a revenue stream, like AmEx, Chase, BoA, PNC, US Bank, Citi, etc. Your account potentially resides in a tranche like all other applicants who met similar [algorithmic] criteria. That goes with any entity. But, don't expect it to grow too fast/soon.
If you can address reason(s) 2, 3 and 4 in the long term, then Discover may likely loosen up the purse strings over time.