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Discover IT CLI Denied Cause of Insufficient Experience

sxa001
Valued Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience

I got the same reason last month, my balance on the card is never more than a few hundred dollars so just a fraction of the 9K limit.  I probably won't bother trying to hit the button again as the the 9K limit is perfectly find for my needs. 


Message 21 of 37
M_Smart007
Legendary Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@randomguy1 wrote:

Both Ferrari's out of Italy's GP. 


@randomguy1 Smiley Happy

Message 22 of 37
randomguy1
Valued Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@M_Smart007 wrote:

@randomguy1 wrote:

Both Ferrari's out of Italy's GP. 


@randomguy1 Smiley Happy


When you step out of the garden. Lol

Message 23 of 37
Credit12Fico
Established Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@randomguy1 wrote:

Both Ferrari's out of Italy's GP. 


I suspect this is the wrong place for this...but yes they were absolutely horrid. An Italian team won though Smiley Happy

Message 24 of 37
M_Smart007
Legendary Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@randomguy1 wrote:

@M_Smart007 wrote:

@randomguy1 wrote:

Both Ferrari's out of Italy's GP. 


@randomguy1 Smiley Happy


When you step out of the garden. Lol


@randomguy1, I always have one foot outsmiley-laughing021.gif

 

Message 25 of 37
randomguy1
Valued Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@M_Smart007 wrote:

@randomguy1 wrote:

@M_Smart007 wrote:

@randomguy1 wrote:

Both Ferrari's out of Italy's GP. 


@randomguy1 Smiley Happy


When you step out of the garden. Lol


@randomguy1, I always have one foot outsmiley-laughing021.gif

 


Birds of a feather my friend!

Message 26 of 37
TSlop
Valued Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@TSlop wrote:

I was just denied as well. I opened the card last August, and got a CLI in February on my first CLI attempt. I was going to try again in 3 months (May), but decided to wait until 6 months (August) to try again after Covid began. When I did try last month, I couldn't even put in the request; it just would say a "CLI is not available at this time" after clicking the button.

 

So I figured they are making me wait a year from opening the card to get a CLI, so I tried this week on September 1st. That appeared to work, and clicking the button finally let me put my information in. After submitting it, I was denied, though. I'm still waiting for the letter but I'm sure it will say insufficient experience or not enough use. I'll try again next month!


My letter came yesterday and it cited low usage of available credit. I'll continue to app for CLIs monthly and see what happens. I know Discover is known to be random, but if they legitimately tightened up, I'll probably never be approved for another CLI. June spend was $195, August was $110, and so far I have $35 on it (and that was an accidental charge by my wife, but at least it coded as 5%).

Message 27 of 37
jasonbourne84
Frequent Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience

That reason usually goes away after your very first day of your 13th month with them 

Message 28 of 37
MakingProgress
Senior Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@fredzos wrote:

i applied for a cli with my discover it card last week. got denied.

received the mailer yesterday explaining the reason.

 

"Unfortunately, at this time we are not able to approve your request for a credit limit increase due to the following:  

  INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT"

 

also included was the transunion fico score as of august 11. 737

 

opened the card back in december 2019.

kept utilization at 10% or under every month when posted and always paid in full.

 

trying to see how much more experience i need to get that increase

 

seeing so many different scenarios and theories with discover


This is Discover's favorite reason to deny a CLI.   What experience they want is entirelly up to them and it seems Bi-Polar at times.   If you get a CLI you might get one the next month and then again you might not get one again for a year. 

FICO 8 Starting Score

Current Scores


Garden Goal is All Reports Clean – Achieved 11/26/20
Message 29 of 37
Wavester64
Valued Contributor

Re: Discover IT CLI Denied Cause of Insufficient Experience


@AverageJoesCredit wrote:

None of us have sufficient  experience lol. Just ask @JNA1 😄 Just keep tryingSmiley Wink.


LOL good stuff Smiley LOL

 

@fredzos BTW OP, that is the same excuse I have been getting as well for CLIs for Discover, that is why I stopped asking.






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Message 30 of 37
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