Disco CLI Denial Reason

[Anonymous]

I tried for my usual 30 day CLI. Sometimes I get a 60 day schedule and sometimes 90. Needless to say it was a denial. No big deal. Should get it next month. However, the denial reason was weird. I got 2 reasons.

One was too many INQs. (True)
The second was “Payment history on account”

I have never been late. Never missed. Always PIf.
Should I be concerned? Should I call? Or do you think this is just one of their pick a reason.... or maybe a new way or wording the “not enough experience” reason?

My reports show nothing and I looked at all of my Statements.... yes, all of them-wasn’t fun-and I cant find anything bad.

Could it be because I make multiple payments per month? I always have and it never has been an issue.

Any ideas? Thx

[Anonymous]

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@Anonymous wrote:
I tried for my usual 30 day CLI. Sometimes I get a 60 day schedule and sometimes 90. Needless to say it was a denial. No big deal. Should get it next month. However, the denial reason was weird. I got 2 reasons.

One was too many INQs. (True)
The second was “Payment history on account”

I have never been late. Never missed. Always PIf.
Should I be concerned? Should I call? Or do you think this is just one of their pick a reason.... or maybe a new way or wording the “not enough experience” reason?

My reports show nothing and I looked at all of my Statements.... yes, all of them-wasn’t fun-and I cant find anything bad.

Could it be because I make multiple payments per month? I always have and it never has been an issue.

Any ideas? Thx

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That is a strange reason.  Could just be one of those reasons that they do pick out of a hat but if it were me, I'd give them a call and ask about it.

[Anonymous]

I tend to believe about 50% or so of denial reasons are complete BS, so I wouldn't overthink it too much.  You could request another CLI next week and get a completely different reason, when no doubt your profile and habits have not changed at all in 1 week.

[AverageJoesCredit]

I tend to believe 0% of my denials cause all i ever get is the not at this time lol, man Discover must think im too average to even make the effort to print up some reasons

[Anonymous]

Case in point with Discover CLI denial reasons:  I've been getting the same denial reason every week on Monday (I request a CLI every Monday) since probably March.  Before that I was doing requests monthly back to January.  Same denial reason every time, "Not enough experience with current credit limit."  Experience refers to using your credit limit for a period of time.  I've had the same credit limit for 7 months now, yet I was able to get monthly CLIs for the 4 months prior.  If 1 month is enough "experience" with a credit limit allowing one to obtain a CLI, certainly 7 months is enough experience.  Bottom line, it's a BS reason.  I'd rather them give a blanket statement like "Your profile doesn't support a CLI at this time" or a more true "You've received multiple CLIs in the past year already, so we don't feel you should get another at this time."  Giving a denial reason that contradicts the approval reasons you've gotten prior is just BS. 

[pizza1]

Yea, I agree with Irish, thats a weird reason. All I ever get is "Not enough time with current credit limit". mmmm

[Anonymous]

Thx everyone. I am concerned but I would think if it was something bad it would have been reported to the CRA’s. I’m wondering if it is because I make too many payments per month. Maybe I will take Irish’s advice and call tomorrow. I really hate calling places because usually I think it is better to not get a human involved.

The other thing to add is they just gave me my second Card last month too. Actually about 2 weeks ago.
So if it was that bad you’d think they would not have approved me. That was a manual review too. I spoke with an UW and she wanted to make sure I wanted a second Card, etc... she put me on hold and said congrats and they gave me double what my other Disco Card is at. That makes me think it is a BS reason.
Maybe I’ll try next month and if I get it again then call. I’ll keep this updated and please if anyone else gets that reason please let me know.

Thanks

[Anonymous]

Is there a reason in particular that you make multiple payments per month?  Just to eliminate that variable from the equation, are you able to make a single payment per month for a cycle or two?

[AverageJoesCredit]

Think of it this way Dj, you might call up and end up talking to your doppelganger Its a true Discover classic

[JR_TX]

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@AverageJoesCredit wrote:
Think of it this way Dj, you might call up and end up talking to your doppelganger Its a true Discover classic

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Hahaha! You crack me up again AJC!  Awesome Sauce!!