Discover CLI denied

[SEAlifer]

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@CreditInspired wrote:

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@SEAlifer wrote:
I just completed three statements with Discover so thought it couldn’t hurt to request an increase, just to lower my utilization. I have a $1,300 balance that I’m holding off on paying as it’s for a business trip that’s yet to be reimbursed and I’ve got the 0% APR for another 9 months. Scores are around 690-700 and income around $100K, current limit’s at $6k. Got denied without a credit check or anything. Are they just a little stingy with CLI for newbies?

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How long has the card been carrying a balance? Are you making more than minimum payments?

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Literally just started carrying the balance as of the latest statement. Made the minimum monthly payment for this month with my points. I plan to pay it off in mid-September after I'm reimbursed for some business travel. Good to know, I figured that may be the case.

[TruFlavor]

I got my Discover it in December I believe. Haven’t carried a balance and have put a few thousand through the card. I requested a CLI and was declined. Income a bit over 100K and over 700 in all bureaus. I’ll try again in a few months. I’m just looking for extra padding for utilization although my overall utilization is around 2% typically across all it’s always good for when you plan to make bigger purchases. I hate when you make a big purchase at the wrong time and although you paid it off a day or 2 after it looks like you carried a balance. That happened on my FU. Have t carried a balance on Disco. As FYI, my SL was 8.5K at around 14.24%. Hang in there and good luck to us all trying for a CLI.

[CreditInspired]

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@SEAlifer wrote:

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@CreditInspired wrote:

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@SEAlifer wrote:
I just completed three statements with Discover so thought it couldn’t hurt to request an increase, just to lower my utilization. I have a $1,300 balance that I’m holding off on paying as it’s for a business trip that’s yet to be reimbursed and I’ve got the 0% APR for another 9 months. Scores are around 690-700 and income around $100K, current limit’s at $6k. Got denied without a credit check or anything. Are they just a little stingy with CLI for newbies?

---

How long has the card been carrying a balance? Are you making more than minimum payments?

---

Literally just started carrying the balance as of the latest statement. Made the minimum monthly payment for this month with my points. I plan to pay it off in mid-September after I'm reimbursed for some business travel. Good to know, I figured that may be the case.

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I knew one could use points for a statement credit but didn't know it could be used as the minimum monthly payment. Other CCs don't allow this. IMHO, I suggest when doing this in the future, still pay the minimum payment. Actually, pay more than the minimum payment. 

[SEAlifer]

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@TruFlavor wrote:
I got my Discover it in December I believe. Haven’t carried a balance and have put a few thousand through the card. I requested a CLI and was declined. Income a bit over 100K and over 700 in all bureaus. I’ll try again in a few months. I’m just looking for extra padding for utilization although my overall utilization is around 2% typically across all it’s always good for when you plan to make bigger purchases. I hate when you make a big purchase at the wrong time and although you paid it off a day or 2 after it looks like you carried a balance. That happened on my FU. Have t carried a balance on Disco. As FYI, my SL was 8.5K at around 14.24%. Hang in there and good luck to us all trying for a CLI.

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Oh wow! You're a much better candidate for an increase so it's like totally random I guess. Alrighty then. Like you I was just looking to be able to show a smaller utilization ratio but I can handle this small hit to my credit score for a month or two.

[SFLSpotter9210]

I just made my 5th payment. And hit luv button and was approved. I tried 2 months back like you and no soup for you lol. Good luck in future requests.

[TruFlavor]

Update! I got letter stating basically my CLI was not approved because I’m not using my existing credit line enough. Go figure! I ran quite a bit through there although I don’t really carry a balance. Hmmm let’s see.

[Anonymous]

Discover can be stingy at first but they are bi-polar. One month they may deny a cli and the next they are overly generous.

I started at 1,500 last year but now I’m to 9k. One of those CLI was a 1k auto increase.

I wouldn’t look too far into it. They are a great credit company to be in with and they will show you love if you love them back. Sometimes they play bite like a kitty. 😂

[SEAlifer]

Got the decline letter in the mail today. They said it was due to insufficient experience with my current discover limit, which is fair. I’ve only had 3 full statements so far.

[SouthJamaica]

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@SEAlifer wrote:
I just completed three statements with Discover so thought it couldn’t hurt to request an increase, just to lower my utilization. I have a $1,300 balance that I’m holding off on paying as it’s for a business trip that’s yet to be reimbursed and I’ve got the 0% APR for another 9 months. Scores are around 690-700 and income around $100K, current limit’s at $6k. Got denied without a credit check or anything. Are they just a little stingy with CLI for newbies?

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Don't look for patterns in their behavior. Discover CLI "policy" is inscrutable.

[SFLSpotter9210]

That’s exactly what was on my denial letter to the T. Try when you post your 5th payment that should be a winner. But then again like everyone says who knows what Discover does lol. Good luck in the future nonetheless.