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No Disco CLI love for me.

wlsnoops
Valued Member

No Disco CLI love for me.

Just throwing this out there, but I hit the luv button this morning for the heck of it and was turned down. Been with them since Oct. 2018, never late, always PIF. They have, in the past, increased my limit automatically and it's been about five months since the last one. Wasn't really expecting an increase due to the economy tanking. Guess I'll have to wait for the letter to find out why, though. No big deal, either way.

Message 1 of 16
15 REPLIES 15
TSlop
Established Contributor

Re: No Disco CLI love for me.

Sorry to hear. I hit it in February for the first time and got a CLI. I've been waiting 3 months to do it again, but I don't think I'll press it now. Might wait another 3 months to get passed this stuff.


Message 2 of 16
AverageJoesCredit
Mega Contributor

Re: No Disco CLI love for me.

If you want cli from Disco  this will be a common feeling/ outcome. No biggie, you just keep smashing when mood hits you. No one should take insufficient experience  personal as its only their way of saying no.  It eventually happens though usually when you least expect itSmiley Wink

Message 3 of 16
AverageJoesCredit
Mega Contributor

Re: No Disco CLI love for me.


@TSlop wrote:

Sorry to hear. I hit it in February for the first time and got a CLI. I've been waiting 3 months to do it again, but I don't think I'll press it now. Might wait another 3 months to get passed this stuff.


Honestly, you can hit it at anytime. If one really wants to try and time it maybe after your score updates each month but ive experienced it with and without updates

Message 4 of 16
James_A
Valued Contributor

Re: No Disco CLI love for me.


@wlsnoops wrote:

... I hit the luv button this morning for the heck of it and was turned down ...


If I had a $ for every time Disco said, "NO!" I'd for sure have a humungous pile of $ and thus could pay for everything with $ Smiley LOL 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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Message 5 of 16
ClassicMan
Valued Contributor

Re: No Disco CLI love for me.

I'm in the same boat. I opened my car with them in Jan 2020, just before I reached 90 days and 3 cycles I hit the "Luv button" and they dangled $300 in front of me. I declined because I read that some people that declined it and applied a week later received a bigger CLI, so I wanted to put this theory to the test. Covid 19 came and they have been saying no to me for over a month. I always PIF and never carry a balance, I guess I will get some soup from of them one of these days.

12/18/19




05/27/20





Cards

Authorized User
Message 6 of 16
AverageJoesCredit
Mega Contributor

Re: No Disco CLI love for me.


@ClassicMan wrote:

I'm in the same boat. I opened my car with them in Jan 2020, just before I reached 90 days and 3 cycles I hit the "Luv button" and they dangled $300 in front of me. I declined because I read that some people that declined it and applied a week later received a bigger CLI, so I wanted to put this theory to the test. Covid 19 came and they have been saying no to me for over a month. I always PIF and never carry a balance, I guess I will get some soup from of them one of these days.


I never declined my cli , always got the $500 AJC Specials,  becsuse one never knows when they will get another one. Smiley Wink

Message 7 of 16
Azurite
Member

Re: No Disco CLI love for me.

In my experience, getting CLI from Disco has been like pulling teeth. I requested a CLI on my Discover IT after its 1 year anniversary, and got a whopping $200 increase. All other banks have been much more generous with both SL and CLI (Disco gave me $3000 SL, which is the lowest of all my cards). This was before COVID19, and I had FICO scores between 780-800, always PIF. I feel I somehow don't fit into their profile of an ideal client.

Message 8 of 16
Ficoproblems247
Valued Contributor

Re: No Disco CLI love for me.

No love for me this last button smash either. Last time I got a whopping $100. (Still took it though 😂)


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 9 of 16
CYBERSAM
Valued Contributor

Re: No Disco CLI love for me.

They gave me $500 last month after over 2 years ago!

Back in 2015-16 they use to give out CLIs like candy 🍭







           
Message 10 of 16
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