Discover IT denied CLI

[carlos1son]

I've had the card for awhile and always pay off the balance but been inactive since last year would that be a reason? 

[Remedios]

Yup. 

[M_Smart007]

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@carlos1son wrote:

I've had the card for awhile and always pay off the balance but been inactive since last year would that be a reason? 

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In a short summary, YES!

I have been denied for lack of credit line usage.

But then I use it, and get denied for another reason.

You may want to put some activity on your cards every 6 months, so the lender does not close them on you.

Every lender is different ... but 6 months is a good general practice.

I have had none closed with 6 month activity ... even if its a $2 Amazon gift card reload,

or a couple $$$$ in Gas. Sometimes I'll throw $10 on the starbucks app.

[M_Smart007]

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@Remedios wrote:

Yup. 

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I type to long and slow.

[blindambition]

It's best to wait for incoming letter. It will state factors for denial, but lack of use can certainly be a factor. There's no reason, or incentive for a lender to extend more credit on dormant account.

[Anonymous]

Out of all my cards, DISCOVER is the hardest nut to crack to get a CLI.  It's my lowest limit card and I only use it for gas and snacks because the limit is so low.  Even with a perfect track record, no missed payments ever and always PIF before statement cut, DISCOVER still won't budge.  Who knows.

My DP's as a reference

EX:  740   EQ:  740   TU: 745

AGG UTIL: 5%

[carlos1son]

For NFCU, do you need to have military affiliation or no?

[FinStar]

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@carlos1son wrote:

For NFCU, do you need to have military affiliation or no?

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@carlos1son- below is the link to their membership elegibility criteria for guidance:

https://www.navyfederal.org/membership/eligibility.html?intcmp=nav|mbrspmenu|||eligibility|10/19/201...

[cr101]

How long have you had your card? I was looking for a place to post this bc I think that I just confirmed something that I saw in an older post. I keep getting declined for "insufficient experience" with current limit. The rep told me that I need to have the card for at least 12 months, starting from the time that it was unsecured. 

[carlos1son]

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@cr101 wrote:

How long have you had your card? I was looking for a place to post this bc I think that I just confirmed something that I saw in an older post. I keep getting declined for "insufficient experience" with current limit. The rep told me that I need to have the card for at least 12 months, starting from the time that it was unsecured. 

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Like 5 years now but I never use it. I got to start using it again.