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Discover CLI Denied!

Valued Contributor

Re: Discover CLI Denied!

I'm not just the president of the Not Experience Club, I'm also a client.
Message 11 of 15
Established Member

Re: Discover CLI Denied!

I have a file of denials 🤣

Doesn't stop me from trying!
Message 12 of 15
Super Contributor

Re: Discover CLI Denied!

It's only been 3 months since a CLI and in that time you have also gotten a new card from them. I think people get too caught up in the whole "CLI schedule" type thing. You may be eligible every x often; doesn't mean you get the CLI. My guess is you need some time after the new account before they'll want to extend more credit. It's not just about your score or 3 months passing...sometimes lenders don't run on a predictable schedule.

 

It's not like a HP was done or anything, so just give it some time and try again later. Probably isn't a need for a huge CL on the card anyway since the 5% categories are capped and otherwise it just offers 1%.

Message 13 of 15
Frequent Contributor

Re: Discover CLI Denied!


@CreditCuriosity wrote:

Been 5 months since my last CLI and 800+ TU score..  SMH, but many better lenders than discover for people that have good income and scores to back it.  They are good for two things the 1500 quarterly if that cat fit you and BT's(although CU's and some other lenders put them to shame on this as well) and that is basically it IMO.  Otherwise alot better options out there for most people.  Chalk it up and move on as I pipe in alot on discover DP's as certain lenders look for certain people/things while other lenders look for other things where one might do good with discover they would get denied with another lender and vice-versa.  I am slowly learning to accept I am not their target adience to get the big CL's in a short period of time unlike some others.


Agreed; my Discover cards are mainly restricted to spending on the 5% cashback quarterly categories. This year, I'll be putting my first Discover IT card in the sock drawer and using my new, second Discover card exclusively. Because of their cashback match on new cards, I'll essentially be getting 10% cashback on all quarterly category purchases.

 

Message 14 of 15
Community Leader
Super Contributor

Re: Discover CLI Denied!

Lol, Kdm, with Discover it never really is about caps for cats ,etc. We just want to push the envelope on getting highest limit we can achieveSmiley Wink. Disco is so bat s*#t crazy on how they operate, its our only fun with have to try and figure them out Smiley Happy. An exercise in futility i know but....Smiley Wink
Message 15 of 15