Discover CLI Denial (insufficient experience with CL)

[Anonymous]

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@Anonymous wrote:

I went from 1000 to 10,500 in 6 months. 

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Very nice 10X growth in a very short period of time.

[masscredit]

I know useage sometimes doesn't matter but I've run close to $8K through the card this month. I made a payment to take care of last month's useage ($1800) and will be letting this month's spending report. I'll pay that off next month. Maybe that will give me a few points when it comes to experience with the credit line.  

[joltdude]

I felt bold and curious... Just hit up Miss Disco... and... instead of a No Soup For You ... got offered a CLI...

Been keeping the card as a zero balance on statement date... for a few months... only putting on a reoccuring charge since i was putting some spend on the Amex... 

Just some data..

-J

[Remedios]

I was curious, too. Still a no go. 

[Anonymous]

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@masscredit wrote:

I know useage sometimes doesn't matter but I've run close to $8K through the card this month. I made a payment to take care of last month's useage ($1800) and will be letting this month's spending report. I'll pay that off next month. Maybe that will give me a few points when it comes to experience with the credit line.  

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As I posted earlier, I don't believe spend has anything to do with experience with the credit line, which appears to be a time-related factor.  That's not to say that the additional spend won't help in some way, especially if percentage wise (utilization) it makes up a decent portion of your limit.  What do you plan on the card reporting at utilization wise?  Will this be your "high balance" on the card?

[masscredit]

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@Anonymous wrote:

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@masscredit wrote:

I know useage sometimes doesn't matter but I've run close to $8K through the card this month. I made a payment to take care of last month's useage ($1800) and will be letting this month's spending report. I'll pay that off next month. Maybe that will give me a few points when it comes to experience with the credit line.  

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As I posted earlier, I don't believe spend has anything to do with experience with the credit line, which appears to be a time-related factor.  That's not to say that the additional spend won't help in some way, especially if percentage wise (utilization) it makes up a decent portion of your limit.  What do you plan on the card reporting at utilization wise?  Will this be your "high balance" on the card?

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The card will probably close around $8K unless I make another payment before the closing date which I'm considering. I ended up checking out their pre-qualification site. It said I'd be approved for another IT card so I went for it.  Received a SL of $7500. My first card started at $6K last January. 

[Anonymous]

Once I pay off the remaining BT balance, I let it rest for 6 months and hit them again. Otherwise I don't know what they want when it comes to experience, usage, non usage or how long doing both? 6 and 6 = 12, or only use it every 3 months? lol

[Anonymous]

Just stumbled across this thread.

My Discover is 2 years old. SL was $7,500. Now it is $27,500. I did use it heavily during the first year maxing out almost every quarter. Now that I give it 1 or 2 swipes a year, I still do receive CLI every 3-4 months but not as big as they used to give.

[Anonymous]

Further evidence above that minimal use to non-use can still result in CLIs from Discover.  Heavy spend is not necessary in order to achieve steady CLIs. 

[masscredit]

Can Discover accounts be combined?