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Hi, know I'm late to the party, but had a Disco CLI question.... I have had my Disco card for over a month now. I know it's probably way too early, but, I applied for a CLI online and was denied. It said I would get a notice in the mail on why I was denied. Noooooo problem, maybe I applied to soon. My question is, when I go back the the "credit line increase" tab, it still allows me to apply for CLI again?? Don't they regulate how many times you can apply? I would think they would disble the tab or app until you were able to apply again, no? Thanks
M
No they don't disable you can apply 20 times a day lol.
Yes 30 days is way too early , let it age atleast 3 months then you may get lucky. Disco is a hard nut to crack sometimes their CLI policy makes zero sense.
For new cards, the hard minimum is 90 days.
Source: asked when I got my 2nd Discover card.
One time I clicked the button within a week and they immediately told me they need more time to assess how I did with the first CLI they gave me. They gave me an auto increase a few months later though.
The day that someone figures out 100% on how Disco gives out CLI's after a 30 day CLI and starts a thread. It will be the largest one in MyFICO history.
Definitely hold off a bit before applying for another CLI.
Discover is one of those companies that will let you ask for a CLI whenever you want.
People have been trying to "crack the code" with Discover for a while but it's just YMMV with them.
Good luck with future CLIs.
@AverageJoesCredit wrote:
No harm no foul. Wait til after 3rd statement then smash. You have to find your own schedule through trial and error lol. I collect denial letters now
Discover is in danger of killing more trees than building houses from wood. Why they won't get denial letters online is just silly would save them a TON of money
Oh wow! Ok... They do give auto CLI's? With my Chase FU card, they gave me a big auto CLI after 4mnths. I did use the heck out of it for those four months! LoL. Ok...Will hold off another 2 months!! FYI, When I applied for the card, I didn't even realize you couls pick the IT rewards card of your choice (ie, travel, cash, etc..). I though the IT card was one card and the rewards were what they were. Silly on my part, I know. I filled out the IT Chrome app. It's a decent card with the @% cash back for a year. Thanks again everyone for your input. Don't even know what I would do without this forum!!!
M
LOL. Will do! Thank you!