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Discover card #2 cli request, denied

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SUPERSQUID
Valued Contributor

Discover card #2 cli request, denied

This is my 2nd discover card. i have the card since july, 6k sl

I pulled the trigger at 5 months, what the heck ms disco has been showing me lots of love lately, 2 cli's on card #1 1500 and 1000 making that card 5500 and approving card #2 6k sl all within 6 months.

It was a soft pull so no harm no foul.

heres what the letter gave as a reason,

INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT

Message 1 of 5
4 REPLIES 4
FLLGuy
Established Contributor

Re: Discover card #2 cli request, denied

dang !   Never really liked those auto generated letters.  Maybe try again in 30days?




Message 2 of 5
SUPERSQUID
Valued Contributor

Re: Discover card #2 cli request, denied


@FLLGuy wrote:

dang !   Never really liked those auto generated letters.  Maybe try again in 30days?


I guess i will just cool my heels for now, no complaints, ms disco has been very nice to me.

I might try again after 1 year, my disco #1 took 14 months to get the first cli and denied at 9 months.

Message 3 of 5
SweetCreditObsession
Valued Contributor

Re: Discover card #2 cli request, denied


@SUPERSQUID wrote:

This is my 2nd discover card. i have the card since july, 6k sl

I pulled the trigger at 5 months, what the heck ms disco has been showing me lots of love lately, 2 cli's on card #1 1500 and 1000 making that card 5500 and approving card #2 6k sl all within 6 months.

It was a soft pull so no harm no foul.

heres what the letter gave as a reason,

INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT


Yes, be patient. It took 2+ years for me to get my first CLI on my 2nd Disco - but then they gave me two increases in short order. I doubt that you'll have a similar experience -- I've got a unique profile -- so take heart and let the card age a little bit and try, try again. Cat Happy



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 4 of 5
SUPERSQUID
Valued Contributor

Re: Discover card #2 cli request, denied


@SweetCreditObsession wrote:

@SUPERSQUID wrote:

This is my 2nd discover card. i have the card since july, 6k sl

I pulled the trigger at 5 months, what the heck ms disco has been showing me lots of love lately, 2 cli's on card #1 1500 and 1000 making that card 5500 and approving card #2 6k sl all within 6 months.

It was a soft pull so no harm no foul.

heres what the letter gave as a reason,

INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT


Yes, be patient. It took 2+ years for me to get my first CLI on my 2nd Disco - but then they gave me two increases in short order. I doubt that you'll have a similar experience -- I've got a unique profile -- so take heart and let the card age a little bit and try, try again. Cat Happy


I usually play it on the reserved side, i know its a long game.

At 14 months i got my first cli on disco card #1 1500 and in only a few months after that i got my 2nd cli on that card 1000.

Message 5 of 5
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