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No CLI offers on Discover, Capital One, and Amex EveryDay cards

firehawk73
Established Member

No CLI offers on Discover, Capital One, and Amex EveryDay cards

When i started rebuilding my credit several years ago, these were the first cards i was able to get with my scores. I assume i was in the high 500's/low 600's. All the cards still have their SL and i have never gotten a CLI either automatically or by request. Since then, i've gotten several cards with SL over 10k and worked up several others through CLI over 10k. My current scores are mid to high 700's. 

 

Any ideas as to why these specific cards refuse to CLI? 

Message 1 of 7
6 REPLIES 6
Remedios
Moderator

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards

Discover does what Discover does. In other words, no one knows.

 

Capital One starter cards typically do not grow. 

 

Amex, because you "got in" with a dirty file, they may not feel comfortable extending you additional credit. If your file has been clean for a while, they might be concerned about utilization on other cards and other items on your CR.

Amex tends to be quite honest when it comes to putting reasons for denial. Whatever is on your AA letter is most likely the real reason why they won't extend additional credit 

Message 2 of 7
MisterWives
Regular Contributor

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards


@firehawk73 wrote:

When i started rebuilding my credit several years ago, these were the first cards i was able to get with my scores. I assume i was in the high 500's/low 600's. All the cards still have their SL and i have never gotten a CLI either automatically or by request. Since then, i've gotten several cards with SL over 10k and worked up several others through CLI over 10k. My current scores are mid to high 700's. 

 

Any ideas as to why these specific cards refuse to CLI? 


What do the denial letters say would be a better indicator, but regardless I would agree most starter cards usually stay where they are regardless of where you are in the present day. Some might want big utilization to justify the CLI I am sure Capital One usually does and considering you have other cards I assume you are not heavily utilizing the cards anymore. 

Grocery - 3% Amex Blue Cash Everyday | Restaurant/Gas - 3%/4% PNC Rewards | Costco - 5% Discover IT | Everything - 2% PenFed



Wants: U.S. Bank Cash+ (5% Categories), AOD Visa Signature (3% Everything)
Message 3 of 7
AverageJoesCredit
Mega Contributor

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards

Me either. Lots of factors contribute, income, spend, score, economy, Pandemic, max availabilty,  or just the lender itself. 

Message 4 of 7
BrutalBodyShots
Super Contributor

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards

Sounds like they were all of the starter variety and thus may not grow. 

Message 5 of 7
Meanmchine
Super Contributor

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards

I have a 15+ year old "rebuilder" card from Cap1 ( now a Savor card ) Never a missed payment. Never any problems.  My current CL is  $3k.  So right now Cap1 and I have an arrangement.  I promise to hardly ever use their card and they promise to always deny my CLI requests.


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 7
BrutalBodyShots
Super Contributor

Re: No CLI offers on Discover, Capital One, and Amex EveryDay cards

Sounds like a good arrangement Smiley Wink

 

Did that rebuilder card start at $3k, or did it grow to $3k and stop there?

Message 7 of 7
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