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No LUV from Discover

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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 7) and spouse 649/647/602
Current Score: 705/702/707 (Aug 1)and my spouse is 722/700/714 (July 3)
Goal Score: 720


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Message 1 of 9
8 REPLIES 8
Regular 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.

Michigan Schools & Gov't Credit Union Classic Visa Card | $1kDiscover Student Cash Back | $1700Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $2kBest Buy Store Card | $3k
Message 2 of 9
Established 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

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 4 EQ 3 TU 1
AAoA 5y2m
UTIL 1% - 3%

$180K+ Total Limits







New cc TLs 1/12(11 month old) & 3/24
Message 3 of 9
Frequent Contributor

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.

7/2019 Ex 08 670 TU 08 686, EQ 08 692. And climbing...

Cap 1 QS $500, Cap 1 QS1 $750, Discover $9500.
Message 4 of 9
Community Leader
Super 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
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 5 of 9
Valued Member

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 9
Community Leader
Senior 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?

GOALS: Garden til APR 2020 and 800 Club

GIRL WILLPOWER ("No Thanks" to Apple $7.5K, 12.99% Approval)


JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 7 of 9
Contributor

Re: No LUV from Discover

Understood

AAoA is 10 years
AoYA is 4 months
Starting Score: 652/644/654 (March 7) and spouse 649/647/602
Current Score: 705/702/707 (Aug 1)and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 8 of 9
Established 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 🤷‍♀️😆


Aug 2019:

Stats:
Message 9 of 9
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