Fortunately or unfortunately in terms of CLIs I am not carrying a balance. I use CCs for almost every transaction that isnt rent/utilities and pay in full. Only letting 1 card report a balance most months.
@Mr_Mojo_Risin wrote:
@Zoostation1 wrote:I was on a roll with Capital One (new account, CLI on existing account, PC of existing) and decided to try my luck with Discover last week and got a denial. I didn't really expect them to approve anything but figured no harm if it's SP. $1800 CL currently and it had been ~100 days or so since unsecuring and the CLI that came with it). Waiting on the snail mail response since online doesn't specify a reason. Usage had been increasing but I've only let it report a balance once in the last 6 months. After this month usage will decrease as my 1yr with rewards matching is ending. It's going to just be mainly for gas and nothing else going forward.
Sometimes Discover will offer 0% promos for 12 months. If you have any larger purchases coming up that might help you.
I just got a 0% promo in August and put a large purchase on my Discover card. Gonna ask at the beginning of November for a CLI.
I'm currently on a 0% promo till through June'23 but knock on wood I'm not carrying a balance month to month. When I tried to PC from Chrome to the Cashback category card they offered me the promo as consolation of sorts for not allowing PCs at this time (still kinda butthurt about that).