cancel
Showing results for 
Search instead for 
Did you mean: 

Discover Recon denied - but good info

Newbie01
Contributor

Discover Recon denied - but good info

I've had my Discover It for 10 months now. I tried for another CLI that was denied. I tried to recon it, which was denied, but going through the process I got some good info on what Discover looks for and their CLI rules. 

 

It seems they only give CLI's every 30 days. The first CS rep that I talked to mentioned this. The recon person I talked to mentioned that I haven't had my car for a year yet, and when giving more and higher CLI's they look at history over a year, and suggested that I should apply again after I've had the card a year.

 

So it seems they only give CLI's every 30 days, and need to have card for a year for more than 2 CLI's

In the garden since 12/29/16

Starting Score: EQ 662 TU 685 EX 706 (MyFico 1/7/15)
Current Score: EQ 735 TU 724 EX 741 (MyFico 1/4/17)
Goal Score: All 750


Take the myFICO Fitness Challenge



Message 1 of 8
7 REPLIES 7
JustMe3
Valued Contributor

Re: Discover Recon denied - but good info

Very good info - thank you for sharing!!

Message 2 of 8
aussiesareforever
Established Contributor

Re: Discover Recon denied - but good info

Interesting but not my experience. I haven't even had my card for a year (11 months) and I have had 6 CLI's. I started with a $5k limit last June.

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 3 of 8
Seashell1
Member

Re: Discover Recon denied - but good info

I think it depends on your individual credit file. I received 4 CLIs in 9 mos of having my card. SL was 5k and now it is 11.5k.

Message 4 of 8
ravo2009
Regular Contributor

Re: Discover Recon denied - but good info


@Seashell1 wrote:

I think it depends on your individual credit file. I received 4 CLIs in 9 mos of having my card. SL was 5k and now it is 11.5k.


I concur.  I have had 5 clis in 11 months. 

EQ 783(4/24/16) TU 787 (4/22/16) EX 784 (4/27/16)
Freedom $4,000, BCE $24,000, Venture One $8,400, Ring $4,000, Discover It $18,500, DC $3600, AARP $5,500, AU- CSP $17,000
Message 5 of 8
SouthJamaica
Super Contributor

Re: Discover Recon denied - but good info


@Newbie01 wrote:

I've had my Discover It for 10 months now. I tried for another CLI that was denied. I tried to recon it, which was denied, but going through the process I got some good info on what Discover looks for and their CLI rules. 

 

It seems they only give CLI's every 30 days. The first CS rep that I talked to mentioned this. The recon person I talked to mentioned that I haven't had my car for a year yet, and when giving more and higher CLI's they look at history over a year, and suggested that I should apply again after I've had the card a year.

 

So it seems they only give CLI's every 30 days, and need to have card for a year for more than 2 CLI's


Rules? Discover don't need no rules Smiley Happy Their decisions are made by monkeys sitting at keyboards. Either the CSR's just make this stuff up, or they're badly misinformed.

 

In 13 months I've had 7 CLI's. The time periods between them have varied from 20 days to 92 days.

 

The only thing I've seen that has been consistent is that if your TU FICO8 is ~ 740 or better, you're more likely to get large (4-figure) CLI's than small ones like mine (each of mine has been either 300 or 500).


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 6 of 8
drboxing
Established Contributor

Re: Discover Recon denied - but good info

That is good information. I've had my Discover It Miles Card since November 2015. Thanks
Message 7 of 8
Sandibeach22
Valued Contributor

Re: Discover Recon denied - but good info

+1  Craziness with mine too!


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.