Discover CLI denied... lol

Anonymous · ‎12-30-2019

Oh well, that's the breaks. I'll try again in February. Maybe they'll feel more generous then. Plus, it's my birthday month.

Anyways, opened the card April 2019. Starting line $9500... $1000 CLI in October and $1000 CLI in November. Total CL with them $11,500.

It's kinda funny how the denial letter said insufficient experience but technically I had insufficient experience after the first $1000 CLI yet they approved the 2nd one 30 days later.... lol

Anonymous · ‎12-30-2019

Wow two CLI in a month is pretty impressive, they probably will make you wait for the next one.

thornback · ‎12-30-2019

Sorry about the denial.

I have the same plan.. my Bday is in February too. I figure after 9 straight months of CLI denials, Disco owes me a b-day present 😜

Good Luck!!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎12-30-2019

Thanks 😊

Meanmchine · ‎12-30-2019

Good luck next year

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

AverageJoesCredit · ‎12-30-2019

Insufficient experience is Seinfeld speak for yadda yadda yadda

. I only have 1 more day to smash. Getting 9 denial letters one day and 7 three days later shows i mean business

but sadly my smashing has come to close ( 2020 goals

)

leo222 · ‎12-31-2019

I feel like Disco gives CLI's as long as you wait 30 days after your previous one.

thornback · ‎12-31-2019

@leo222 wrote:
I feel like Disco gives CLI's as long as you wait 30 days after your previous one.

Lol...NOPE. 😜

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

randomguy1 · ‎01-02-2020

@thornback wrote:
@leo222 wrote:
I feel like Disco gives CLI's as long as you wait 30 days after your previous one.
Lol...NOPE. 😜

^ditto