@CYBERSAM wrote:Its not you, its Discover! They are being very stingy. Even when people get CLI is 500 to 1K max. Few years back they use do CLI 10K+
Wait till next year and hopefully scare goes away!
Its not stingy lol, that i would label Capitol One 
. Those 10k cli from years ago were an anomaly , the " Gravy Train " . Right now is just a bad time for everyone so its understandable huge cli aren't plentiful.
@MattReno64 wrote:Okay. So. Credit Karma keeps telling me that my Credit Line on my Discover Card is way low, only 7,400 when the average card holder like me has 11,700. I decide to pay off all my credit cards, make my FICO go way up, which it did-- 806 according to Discover, ten points higher at a few other places. After my score goes up, I apply for CLI, they shoot me down instantly. Get letter in mail a week later stating reason for decline:
LOW USAGE ON EXISTING LINE OF CREDIT IN PREVIOUS MONTHS
Not even kidding. Paying off my debts and raising my FICO was a bad thing. I guess having more debt and a lower FICO would be a good thing?
To add to the insanity, it gave other reasons on back of rejection letter, on of them was
TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
You probably think I'm one of these Financial Chads who has 19 cards, right? Nope. I have 3. And one is my Discover Card. Yes, I have a Citi Simplicity, an Amex, and a Discover Card.... that's it. Two cards besides Discover. And I guess that's two too many.
Phone call did not help. Loud chatty girl at first who can do nothing but be loud and chatty. Switchs me to poor guy I felt so sorry for, he was obviously mentally ill and had a speech impediment, but he did his best, I couldn't get mad at the poor fellow. Said I had to wait 30 days and try again, nothing he could do.
Nothing I can do but come here to share my pain, read your horror stories which are worse than mine. They're lowering credit limits now, are they? Use it or lose it? We are not winning this losing battle.
I recently had a weird thing happen with Discover. A fellow MF'er mentioned once a while back that they request a CLI every 35-days and that has worked for them with getting approved all the time. A few months ago I started doing this and every 35-days another $500 CLI added to my account, except for last week. Tried like I usually do and I got an AA notification. Got the mail today, and it mentioned "Insufficient experience with current Discover Card Credit Limit". Interesting, never saw that one before. I do decent spend on it and I have a balance every month because of a 0% APR offer. No big deal, I figured the gravy train was going to end soon, and I am sure it's a sign of the current situation in the economy as well. Doesn't mean I wont try again in 35, 34, 33......... 
Before the Pandemic i was hulk smashing every day. Since, maybe 4,5 times just to see. Playing with fire sure but at the end of the day i have bigger worries than having a credit card
