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Disco CLI jail...

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Anonymous
Not applicable

Re: Disco CLI jail...


@Anonymous wrote:

Stuck on Disco It since like June, and Miles hasn't budged since I got it either. Insufficient experience, they say. 


Yup. Ditto. Insufficient experience. 

Message 11 of 58
TekkenQQ7
Established Contributor

Re: Disco CLI jail...

 

 Congratulations on your TU jump. Smiley Happy



Message 12 of 58
Anonymous
Not applicable

Re: Disco CLI jail...


@TekkenQQ7 wrote:

 

 Congratulations on your TU jump. Smiley Happy


Thanks! Got EE on my pesky BK. Can't wait for EQ and EX to join later this year!

Message 13 of 58
ZackAttack
Established Contributor

Re: Disco CLI jail...

Yeah I am in the same boat with Discover not wanting to increase the card.

 

Jan 2019 - 2 Cards Open up (MSGCU 1K | Discover 500)

 

4th statement was 05/2019 3 days after got a $1.2k CLI on Discover

Followed by 6th statement after 08/2019 got a $600

 

After that I didn't get anymore CLI from Discover. My MSGCU got 3x CLI and is now 3k CL when applied back in OCT 2019. Besides those two cards, picked up an Amex Credit Card 2k CL & Best Buy Store Card 3k CL in July 2019. Amex CLI 1.1k in DEC 2019 making it 3.1k.

So I don't get why Discover wouldn't want to join the party.
Discover 2.3k CL (Lowest Card)

Amex 3.1k CL (highest)

MSGCU 3k CL

Best Buy 3k CL

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Message 14 of 58
AverageJoesCredit
Legendary Contributor

Re: Disco CLI jail...

Holy Fico , @Anonymous  780 is great. Ill never see thatSmiley Wink

 

Im still a no go. No bt offers in forever though i no longer need them. I smash almost everyday , my TU just updated but nothing again. Ill probably smash again today. I know im playing with fire but oh well, i have enough credit cards that losing 2 is palatable lol. 

Message 15 of 58
Anonymous
Not applicable

Re: Disco CLI jail...

How much are you spending on the card per month?
Message 16 of 58
Anonymous
Not applicable

Re: Disco CLI jail...

Not much movement here. Opened 3/19 for 0% BT purposes w/ $4,800 SL. Originally never used it for purchases and was paying 5x-7x the minimum every month. Always got the "Not enough experience" reason.

 

First purchase with it was on Amazon in 10/19 for just over $200 for the 5%. Shortly after was granted a whopping $200 CLI to match, bringing me to $5k.

 

Ran about $3k thru it in Dec and Jan, still paying way above minimums. Another CLI was shot down after statement cut earlier this month, stating "Insufficient age of revolving accounts". AAoA 2 years. TU 757

Message 17 of 58
recoveringfrombk7
Established Contributor

Re: Disco CLI jail...


@Anonymous wrote:

Wondering who is there with me. My last CLI was 5/2019 on my Discover It which took it from $11,200 to $12,700. I got a Miles 9/2019 with a $3K limit. Disco has declined CLIs on both cards every time I asked. Saw a bunch of decent CLIs in approvals and I figured since my TU is now 780 I would try again. Both cards denied.

 

I ask somewhere between once a month and every other month. 

It's possible that they don't like the fact I'm carrying balances right now on a few cards but $3K reporting (which is actually around $2.3K that hasn't updated yet) really isn't much so I don't think that's it. 

I dunno. Not really feeling the Disco love right now. I had BT offers every month on my IT until this month too. Now nada. 


My $2500 secured card finally graduated at 14 months and there was no auto CLI and a manual request was denied.  I got the boilerplate "insufficient experience at current limit", but consistently put 1500-2000+ through it while it was secured.  I get that it's now unsecured, but I was never late and using near to or all of the limit and paying it down actively during the secured period.  Just wonky to me given all of these auto bumps from 200 to 2k that everyone seems to get.











Desired BK recovery line up complete 7/12/2021. Planning to garden until 8/2023 and potentially try for AMEX.
Message 18 of 58
dragontears
Senior Contributor

Re: Disco CLI jail...


@Anonymous wrote:

Wondering who is there with me. My last CLI was 5/2019 on my Discover It which took it from $11,200 to $12,700. I got a Miles 9/2019 with a $3K limit. Disco has declined CLIs on both cards every time I asked. Saw a bunch of decent CLIs in approvals and I figured since my TU is now 780 I would try again. Both cards denied.

 

I ask somewhere between once a month and every other month. 

It's possible that they don't like the fact I'm carrying balances right now on a few cards but $3K reporting (which is actually around $2.3K that hasn't updated yet) really isn't much so I don't think that's it. 

I dunno. Not really feeling the Disco love right now. I had BT offers every month on my IT until this month too. Now nada. 


I mean this in the most FSR way
Have you considered the CL/income ratio? If I remember right your current discover credit lines would be really high compared to your income. 

It could be you will always be stuck in "CLI jail" with discover for this reason. 

 

Message 19 of 58
KLEXH25
Valued Contributor

Re: Disco CLI jail...

On another Disco thread, @Birdman7 mentioned a conversation with a CSR when asking for a DD and said, "...no negative impact of trying every 30 days and he said usually no more than 2 per six months. Or 3 per 12 month approved. But he said it changes all the time, so you never really know because it’s all automated."

 

It was pretty specific so I found that interesting. Of course if you're not even getting those three in 12 months, there must be some other limitation. 



Message 20 of 58
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