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Discover IT denied CLI

carlos1son
Valued Member

Discover IT denied CLI

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

Message 1 of 11
10 REPLIES 10
Remedios
Moderator

Re: Discover IT denied CLI

Yup. 

Message 2 of 11
M_Smart007
Epic Contributor

Re: Discover IT denied CLI


@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? 


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.Smiley Tongue

 

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.

Message 3 of 11
M_Smart007
Epic Contributor

Re: Discover IT denied CLI


@Remedios wrote:

Yup. 


I type to long and slow. Smiley Very Happy

Message 4 of 11
blindambition
Community Leader
Senior Contributor

Re: Discover IT denied CLI

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.

Message 5 of 11
The_Puritan
Established Member

Re: Discover IT denied CLI

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%

 


Amex Platinum: NPSL
Amex Gold: NPSL
Amex Green: NPSL
Amex ED: $3,000
Amex Cash Magnet: $1,000
Amex Blue Cash ED: $1,200
Amex Hilton Honors: $6,800
Amex Macy’s: $3,500
Amex Bloomingdales: $2,000
NFCU Platinum Visa: $19,000
NFCU More Rewards Amex: $24,000
NFCU Cash Rewards MasterCard: $8,800
Shell MasterCard: $2,000
Goldman Sachs MasterCard: $4,500
Discover cashback IT: $500
Military Star: $8,200
Total CL: $84,500

Goal Score: (Oct 2021)
TU: 800 EQ: 800 EX: 800
Message 6 of 11
carlos1son
Valued Member

Re: Discover IT denied CLI

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

Message 7 of 11
FinStar
Moderator

Re: Discover IT denied CLI


@carlos1son wrote:

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


@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...

Message 8 of 11
cr101
Established Contributor

Re: Discover IT denied CLI

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. 

Message 9 of 11
carlos1son
Valued Member

Re: Discover IT denied CLI


@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. 


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

Message 10 of 11
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