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

[firehawk73]

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? 

[Remedios]

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 

[MisterWives]

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@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? 

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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. 

[AverageJoesCredit]

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

[Anonymous]

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

[Meanmchine]

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.

[Anonymous]

Sounds like a good arrangement

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