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No LUV from Discover

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DGOATS1
Regular Contributor

No LUV from Discover

Wife can’t get luv from discover.

Keeps sayin insufficient experience.

4 statements cut. Tried full payments and tried multiple payments in a month and now trying balances going higher with lots of swipes Just denied again.

6700 SL. But “No luv for you”

Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1 of 15
14 REPLIES 14
ZackAttack
Established Contributor

Re: No LUV from Discover

Bummer on trying to poke Discover. At least 6,700 CL is better than having something small.

 

My Discover card started at $500 and after my 4th statement cut, it rose 1,200 (total: 1,700). Now, I am getting close to my 7th statement cut (the 16th) and so far I am trying to poke Discover, but still getting that insufficient experience.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 2 of 15
JR_TX
Valued Contributor

Re: No LUV from Discover

Sorry to hear. Just tell DW to keep trying every month and hope for good results. That’s all we MFers do here with disco! 

I got about 6’ tall paper stack of insufficient experience letters from them! Lol

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 3 of 15
Anonymous
Not applicable

Re: No LUV from Discover

Just keep using your card responsibly and it'll eventually come.

 

CLI with them can be hit or miss.  My 4th statement cut earlier this month and I still havent received a CLI. My starting line was $9500.

Message 4 of 15
AverageJoesCredit
Legendary Contributor

Re: No LUV from Discover

With her sl, she has a better shot at getting the $1500 plus cli than most. Id say poster above with $9500 has better odds of getting 3k plus cli when time is right. Those who usually get higher sl usually end up with better cli than us lower beings but it just takes time. You could be rejected today and smash the button tomorrow and get approved. Thats just DiscoSmiley Wink
Message 5 of 15
Anonymous
Not applicable

Re: No LUV from Discover

I agree with what has been said already. I was fortunate getting approved for my early CLI's. Then, it stalled, I was denied 5 or 6 times before being successful again. I'm due again towards the end of September. Keep at it. The CLI's will come.

Message 6 of 15
CreditInspired
Community Leader
Super Contributor

Re: No LUV from Discover


@DGOATS1 wrote:
Wife can’t get luv from discover.

Keeps sayin insufficient experience.

4 statements cut. Tried full payments and tried multiple payments in a month and now trying balances going higher with lots of swipes Just denied again.

6700 SL. But “No luv for you”


Honestly, IMHO, 4 statements cut is insufficient experience no matter how much spend is put on the card. Now, even though I agree that Disco is really difficult to decipher, 4 months is just not enough history on using their card. Of course, this is just my 2cents.

 

Even though each smash is only a SP, I think it would be a good idea to wait until 6th statement. At least that will give DW 6 months with the card. 

 

Also, what is her AAOA and AoYA?


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 7 of 15
DGOATS1
Regular Contributor

Re: No LUV from Discover

Understood

AAoA is 10 years
AoYA is 4 months
Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 8 of 15
KLEXH25
Valued Contributor

Re: No LUV from Discover

I requested a CLI on August 6th, and was denied due to “insufficient experience” as well. Then August 7th, Discover emailed me with an auto CLI. I guess I needed that extra 24 hours of experience 🤷‍♀️😆


Message 9 of 15
Anonymous
Not applicable

Re: No LUV from Discover

Have you tried calling Disco via using backdoor number? I have and tried to see if I could get a cli because I wanted to take advantage of their BT offer. CSR told me that I am eligible for a cli, but since it's less then 3 months, to try calling back after Sept. 1st
Maybe you can try that way and see what they say.
Message 10 of 15
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