Help with the Discover It Chrome CLI

[Anonymous]

Hey guys,

I've had the Discover It Chrome (CL - $750) for about a few months now (since July) and have constantly been denied a CLI. Everytime I push the button, it denies me (does not even do a HP) .. the letter in the mail says "Insufficient experience with current discover card limit". Not exactly sure what's going on here.. my scores TU/EX/EQ are hovering around 700-710, no baddies, no collections (i'm a student and fairly new to credit, AAoA-  6 months, fairly high income for a student due to my job and I have a PNC CC with 5k limit)... not exactly sure what to do to get the CLI from Discover.

Thanks!

[Anonymous]

How is your use on the card? Is it your everyday and you're pushing a reasonable amount of spend through it or just charging one or two things every once in a while?

From my own personal experience, usage got my first CLI and every since then it's motivated me to push forward. Oh and my experience with CLI and kind of consistent on the board, Discover rarely does a HP, sometimes they may that first request. Try pushing to a schedule of waiting 91 days to hit the CLI again from your last attempt

[Anonymous]

I use it everyday for everything and I make multiple payments each month to lower util ratio. 

Never a late payment.

Always 3-4 payments of months in the hundreds each time. To date, I have paid Discover about $4k since July.

[AverageJoesCredit]

Wish you all the best trying to get your Disco limit increased.

Just a note, you should try to post this in credit cards or applications as approvals is really for a recent approval

We look forward to reading about your future success

[austinguy907]

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@Anonymous wrote:

I use it everyday for everything and I make multiple payments each month to lower util ratio. 

Never a late payment.

Always 3-4 payments of months in the hundreds each time. To date, I have paid Discover about $4k since July.

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Disco isn't like every other card.  They like to be wined and dined instead of picked up in a bar.  They are conservative and like to see responsible use and restraint instead of swiping the numbers off the back.  Play hard to get and reign in your use and you'll be rewarded nicely.  The hard part is done and you got the card.  Now it's onto the hard part and that's learning more about each other.  Insufficient experience usually only lasts a couple of cycles so, seeing this repeatedly means they're still seeing what you're capable of.  For some cards running them up and making multiple payments helps move them upwards and Disco is the opposite in my experience.  Check out my thread for a little more insight and make some slight changes and you're bound for glory with Disco.

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

[Anonymous]

I personally think it's YMMV on this one, some data points do suggest one way but for me I got no love until I started using the card for real albeit it was larger dollar amounts and payments. I've had my card exactly 6 months now (not my AU card)  and two CLI the first was larger than the one I got yesterday and one I thing I noticed...I used it less this past 2 months overall...I follow your thread cause I do want mines to grow like my DH. His was also increased with larger increases after more use, went from SL 1500 4/15 to 17,500 11/16

[Anonymous]

I'm glad to see you're using the card, I say give it a bit more time. Also look at how your scores have changed from the time you got the card to now. Not just Discover utilization but overall utilization also

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@Anonymous wrote:

I use it everyday for everything and I make multiple payments each month to lower util ratio. 

Never a late payment.

Always 3-4 payments of months in the hundreds each time. To date, I have paid Discover about $4k since July.

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[Anonymous]

overall util is always under 10% for me each month

discover util ranges from 10% to 20%. 

scores have jumped 30 points since I first got the disco

[Anonymous]

Your increases will start soon, I wish you the best of luck. Everything looks good to me but Discover is a odd duck..They are great though once the increases start

[Anonymous]

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@Anonymous wrote:

Your increases will start soon, I wish you the best of luck. Everything looks good to me but Discover is a odd duck..They are great though once the increases start

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+1 Just give it some time. Those increases will come as your profile ages and good payments continue. The great thing IMO about receiving the "insufficient experience" reason as a denial is that with Disco, it just means "not quite yet."