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Disco CLI Denied

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Frequent Contributor

Disco CLI Denied

Tsk... The "after 3rd statement" cli has failed me. 3rd statement closed on the 13th, paid the 14th, and today, the 16th, I poked the button. Got denied for my CLI... Sigh, guess disco didn't like me shoving thousands through it these past months. Time to relegate it only to 5% duties. We'll see what synch thinks after the third statement rolls on it the 20th.
$1,000 is a lot to owe, yet little to have.
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Message 1 of 22
21 REPLIES 21
Valued Contributor

Re: Disco CLI Denied

It may be a bit early to hit the CLI button. There's been mixed results with 3rd and 4th month. I would give it another cycle and then try.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 2 of 22
Frequent Contributor

Re: Disco CLI Denied

That's my plan, gonna try again after the 4th statement, then if that's a no go, wait until 6th.
$1,000 is a lot to owe, yet little to have.
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Message 3 of 22
Valued Contributor

Re: Disco CLI Denied

I was impatient and tried for a CLI after my third statement cut.
I was also denied.

But about a week later, I got an AUTO-CLI from them.   Hang in there!




Garden goal: keep on keepin' on until 2020.
Faithful practitioner of AZE5or6or7
Message 4 of 22
Regular Contributor

Re: Disco CLI Denied

Same thing happened to me. I'm giving it another 6 months and relegating it to 5% duty, too.

Message 5 of 22
Community Leader
Valued Contributor

Re: Disco CLI Denied

You’ll get it eventually. Discover tends to be quite generous, but no one knows exactly why or WHEN the generosity strikes lol

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 22
Regular Contributor

Re: Disco CLI Denied

Their reason was something like "insufficient experience with current credit limit" or somesuch. Perhaps I just hit the button a little too early?

Message 7 of 22
Regular Contributor

Re: Disco CLI Denied

ive gotten that before, basically they are just sayin whoa whoa, not yet LOL more time.  but then a few months later i was rewarded with 5K cli.  so they do come through, mine does better when i have spend ON the card when i ask.  everytime i ask with a $0 balance, its a NO go.

Message 8 of 22
Established Contributor

Re: Disco CLI Denied

patience-young-grasshopper.jpg

@Masterlink   “Got denied for my CLI... Time to relegate it only to 5% duties.”

 

@5KRunner   “Same thing happened to me. I'm giving it another 6 months and relegating it to 5% duty, too”

 

Patience, grasshopper.  Patience. 

 

It’s a marathon, not a sprint.  Show Discover (or any bank you’re dealing with) that you can be a good and dependable customer and the rewards will follow.  Think about it as building a relationship and trust, just like you would with a real person.

 

I posted recently that my Discover limit is $49,500 after a long-term relationship and I’ve never really pushed that hard.  My limits were raised often and easily with soft pulls, but I never sock-drawered my card or gave up on it. 

 

And there are no ‘magic formulas’ that work for everyone in every situation. Give it time.




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 9 of 22
Frequent Contributor

Re: Disco CLI Denied

5% duties are why I got it in the first place. Smiley Tongue I figured it will still grow in time, I'm just not going to toss extra spend on it on other purchases, got 2% cards for that. Although long term 2/10% with the cash match.

 

EDIT: To add insult, Discover thought it necessary to send me a "3 month update for you Cashback Match" Thanks for reminding me it's been 3 months Discover... ;p

$1,000 is a lot to owe, yet little to have.
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Message 10 of 22
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