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No LUV from Discover

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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 7) and spouse 649/647/602
Current Score: 725/726/719 (Jan 7 and my spouse is 731/715/721 (Jan 7)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1 of 15
14 REPLIES 14
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 | $3kDiscover Student Cash Back | $2300Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $3.1kBest Buy Store Card | $3k

July 2018
Ford Credit Loan $199.26/month (3 yrs)
January 2019
Discover Cash it Card $500
Michigan Schools and Gov't CU Card $1,000
February 2019
Self Lender Loan (Closed July 2019)
May 2019
Discover CLI $1.2k
July 2019
Discover System CLI $600
Amex $2,000
Best Buy Store Card $3,000
October 2019
MSGCU CLI $2k
Dec 2019
Amex $1,100 CLI

Eyes on Credit Cards
BoA Cash Rewards (with or without Student Verison)Gas Card with 5% Cashback w/ no AF2% Cashback EverythingDining & Entertainment Category Card
Message 2 of 15
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

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

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 3 of 15
Established 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.

January 2020
Experian Fico 8. 677
Transunion Fico 8. 690
Equifax Fico 8. 699

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Income varies. $60,000 - 80,000
Message 4 of 15
Community Leader
Mega 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
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 15
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 15
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?

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 7 of 15
Regular 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: 725/726/719 (Jan 7 and my spouse is 731/715/721 (Jan 7)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 8 of 15
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 🤷‍♀️😆


January 2020:

Stats:
Message 9 of 15
Established Member

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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