@Jon85 wrote:Hi all,
So I've had my IT card for 6 months now. After the 6th statement cut, I request CLI online and it said error, so I called into request it and they did a SP, and it was denied. I was told by a credit analyst that it was denied due to me taking a cash advance from an ATM a month ago for $300 (which I paid back 4 days later).
I was at JFK airport for international travel for a week, and I literally only brought my Discover card and license and passport with me. I had forgotten to bring my Amex with me because I usually SD it. Anyway, my luggage was too heavy so I had to pay an extra $240. They did not accept Discover as a payment, so my only option was to take a cash advance and pay the fee. I had no option to pay it--I only went with my Discover card because I have a bank account in Turkey that I withdrawl from whenever I am there, so I literally don't bring any cash with me to the airport because I "normally" (lol) don't need to since I'm only going through the gate, on the plane, and then straight to my apartment when I get there.
And then when I got to Turkey, a few days later I saw that it had posted, so I paid it right away from my checking account.
How long will these effect my chances for a CLI? I didin't think a cash advance was THAT horrible of a thing, considering it's there for an emergency, when you're in a spot where your card isn't accepted. I've always PIF since I had this card but my limit is only $1,200, one of my lowest limits.
Any opinions on how long to wait or what I should do to up my chances?
Hi Jon, greetings from a Turk! 
I think that is soo not fair that they give you the CA option and you use it in an emergency and get panalyzed for it. How old is your Disco card and how is your limit? Would you say it is one of your most important cards or can you live without it? The reason i am asking is, i would definitely write to their EO, and explain them the situation, and tell them what good is a card benefit if you will be punished for using it, especially that is due to their card being not accepted. What would they expect you to do, leave your lagguage at the airport? That's ridicilious. Since Disco has never let me in thru their doors, i would have no idea how long it would take them to forget about the Cash advance, but it gets resolved to your satisfaction.
I'll never understand why lenders give you a CA option if they frown upon it. I've heard several stories of AA, CLI's denied etc over the years due to using a CA on a card. I'm convinced the only reason the option is even there is just so the banks have another tool to determine if you are a good risk or not.
"Oh, he/she has so little cash they need to use our card, no credit for you!" 
@n777ua wrote:I'll never understand why lenders give you a CA option if they frown upon it. I've heard several stories of AA, CLI's denied etc over the years due to using a CA on a card. I'm convinced the only reason the option is even there is just so the banks have another tool to determine if you are a good risk or not.
"Oh, he/she has so little cash they need to use our card, no credit for you!"
You're right. It reminds me of what a friend of mine had told me when we were talking about loans and such one day, long time ago. He said, the banks will loan you the money if you can prove them you don't need it
