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Yesterday Partner and tried for a CLI on our joint account which is at $9500 after our generous $500 CLI last month... his score reported by them is over 770.
I told him it's because it's joint and I HATE it and he would be better off getting a new one so he could join this crazy CLI stuff.
Applied today and it went to 4 verification questions (have not seen that before)
Then next screen asked to upload 2 verification documents (bank statement, and SS card)
Then said if any questions they would call or if approved he would receive e-mail or mail.
Seems a little odd because all info matches current account.
But seems like it's approved if they will go through all that, no!?
Actually even better than I thought!:
Your 792 FICO® Credit Score as of 11/10/15
This is from Discover
APPROVED but they did make him take $4750 from current card to open it or close the current joint account. Opted to split the CL's and keep joint and get the new one!
Hopefully he can soon join you all with these awesome CLI's!