Discover CLI Denied!

[Anonymous]

I got my card in March of this year with a SL of $1200.  I immediately took advantage of a 10% BT offer I had for $500 of it.  June I got a CLI via luv button and DDing on a call, almost doubling my line ($2200).  Ended up getting an auto that kinda screwed with my line and decreased it until I called in.  Got another CLI in August for $200.  Haven't gotten one since.

Since I got it I went from spending barely anything on it to now (since maybe July-August?) typically spending 50%-90% of my limit.

I PIF every month all active transactions and chipped away at the BT little at a time.  Was kind of expecting something when my statement closed last week, not only because it seemed to be on track, but also since I paid it off to a $0 balance and from how much I've been charging - but got denied for the same reason.

[Anonymous]

Just to give you "not enough experience" club members some hope to keep fighting, after receiving 3 increases (about 30 day apart) after card opening from 4k to 10k, I became a club member after 9/30/17 with 22 straight denials. Finally on 8/22/18 I got an approval for 1.5k, denied again on 9/23 but another 1.5k approval on 10/16/18, and then tonight (11/17/18) got another for 2k making the total 15k.

[JR_TX]

A proud member of that “Insufficient Experience” club myself!

Got dozens of those “prestigious” letters! 

Was on a 7 month approval cycle til 4 days ago when given a $3.9K approval 5 months after last CLI. Only took $3.8 though to round out my new CL to a better rounded $15.5K! 

Average spend of about $600 a month.

[JoeLuvsHisCredit]

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@Anonymous wrote:
Just to give you "not enough experience" club members some hope to keep fighting, after receiving 3 increases (about 30 day apart) after card opening from 4k to 10k, I became a club member after 9/30/17 with 22 straight denials. Finally on 8/22/18 I got an approval for 1.5k, denied again on 9/23 but another 1.5k approval on 10/16/18, and then tonight (11/17/18) got another for 2k making the total 15k.

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Hey can you please tell me if you had/have use the card more etc?

Thanks

[Anonymous]

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@JoeLuvsHisCredit wrote:

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@Anonymous wrote:
Just to give you "not enough experience" club members some hope to keep fighting, after receiving 3 increases (about 30 day apart) after card opening from 4k to 10k, I became a club member after 9/30/17 with 22 straight denials. Finally on 8/22/18 I got an approval for 1.5k, denied again on 9/23 but another 1.5k approval on 10/16/18, and then tonight (11/17/18) got another for 2k making the total 15k.

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Hey can you please tell me if you had/have use the card more etc?

Thanks

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Yes and no. Before the end of 1 year cashback (May 2018) I was putting pretty heavy spending (2% general and 10% category 1k+/month) through it but was denied every time, after 1 year mark spending dropped dramatically ($50-$150) until late October when I nearly maxed out the quarterly 1.5k 5% limit with one Amazon purchase for business inventory, then nothing since. Mix bags.

I think trying to correlate Discover CLIs with spending patterns is an exercise in futility, best to just base your spending on maximizing rewards and CLIs will come soon or later, as long as the profile is kept clean and UTI low.

[Remedios]

I have to admit I had an excellent run with them

It's all crickets, silence and cold shoulder these days

[JoeLuvsHisCredit]

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@Anonymous wrote:

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@JoeLuvsHisCredit wrote:

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@Anonymous wrote:
Just to give you "not enough experience" club members some hope to keep fighting, after receiving 3 increases (about 30 day apart) after card opening from 4k to 10k, I became a club member after 9/30/17 with 22 straight denials. Finally on 8/22/18 I got an approval for 1.5k, denied again on 9/23 but another 1.5k approval on 10/16/18, and then tonight (11/17/18) got another for 2k making the total 15k.

---

Hey can you please tell me if you had/have use the card more etc?

Thanks

---

Yes and no. Before the end of 1 year cashback (May 2018) I was putting pretty heavy spending (2% general and 10% category 1k+/month) through it but was denied every time, after 1 year mark spending dropped dramatically ($50-$150) until late October when I nearly maxed out the quarterly 1.5k 5% limit with one Amazon purchase for business inventory, then nothing since. Mix bags.

I think trying to correlate Discover CLIs with spending patterns is an exercise in futility, best to just base your spending on maximizing rewards and CLIs will come soon or later, as long as the profile is kept clean and UTI low.

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Thanks