Discover CLI Denial Odd

[Anonymous]

So i started with a $300 CL on my Discover Secured card and 3 months later (October 2016) I asked for a CLI and sent an additional $400 making my CL $700.

In March 2017 the card was unsecured and on the 31st once the glitch was fixed I requested a CLI.

I was denied and the letter says it was because of insufficient experience with current Discover Credit Limit but I've had it since October with this limit so that makes no sense.

[Peteyglad]

I have somewhat of a similar situation myself. I was getting cli's like clockwork at 90 days. Now I am at 120 days and I still get the insufficient experience denial as well. 

[Anonymous]

I have the same thing with my Discover that got its last increase last November.

Tried requesting a couple times in March, and got the "insufficient experience" reason for denial each time. I'm hesitant to try again, not sure if that would/could raise red flags...? I'd think not, since it's just a soft pull by an automated system, but not sure.

Is it possible that Discover has recently decided to jump on the 6 month cli train?

Or do the banks know there is something major happening soon within the financial industry???? With Capital One suddenly getting strict with their CLIs, and now Discover seeming to not be as cli-friendly as they used to be?

Unless this Discover cli is isolated to only a few of us perhaps. But my card was never secured (or student), so I don't think that would be an issue in my case.

Although I did just do a PC recently from the Chrome to the IT, and that took effect after my last statement cut (March 6th). So maybe that reset the clock for my CLIs, maybe I have to wait 90 days from that date instead of my previous CLI?

[Anonymous]

Hmm maybe someone with more experience could chime in.

[rmduhon]

Hubby received a 90 day CLI today, his 3rd one.

[Anonymous]

Try again after 30 or so days. Austinguy would be able to tell you a lot more though.

[austinguy907]

Something is awry over there with Disco since they fixed the secured CLI issue 3/29.

I have reliably been hitting the button every other month since Aug and gotten something out of them to the tune of 22K+.  4/1 I hit the button and got an instant denial instead of the regular 2-day message due to the size of the CL.  Since opening and getting past the first Auto and manual CLI I have reliably gotten the 2-day from them regardless of whether it would be approved or not.  I'm probably going to call Lending and interrogate them about the change since the fix was applied a few days ago.  Other users around here that have been collecting CLI's are getting the 3-5 day message as well that should be either instant / 2-day messages for account review.  I tried a couple of devices to push the request through with the same results of nothing which rules out browser / device issues.

What's odd though is that some users reporting success are a mixed bag of secured and regular accounts which makes it hard to specifically cite that the issue is only on regular accounts at this point.

[Anonymous]

Yeah but I don't really understand the denial reason they give.

1st Bank information not found

Then

Not enough experience with current credit limit?
What's that even mean?

[austinguy907]

Bank info was the secured issue

Insufficient time is the spacing of requests

Insufficent experience for me at least would be the result when hitting the button sooner than every 60 days or so.  Some have been able to hit it every 30/60/90 days w/o any insufficient messages coming back.  The insufficient message seems to be triggered now instead of them doing the 2-day review on each account.  It might be a change that was already in place but got a "reboot" with the secured fix.  

If you could call lending and ask for a CLI over the phone 800-347-4856 and post your results that would be helpful in figuring out what's going on over there.  This is the direct number to the analysts that actually process the requests and not the front line CSR's that tend to be clueless when it comes to anything more in depth regarding the underwriting side of things.

[Anonymous]

I called and they said there is nothing we can do your account management was good enough to Graduate you but not good enough to get an increased credit limit.