Don't think waiting longer would've mattered. Going by the disproportionately low SL they gave me, pretty sure I'm not their target demographic.
Just denied, was hoping to get a cl boost to help out my balance carrying..... looking to pay it off by the time told me to ask again..90 days
Lol, flight of the bumblebee
i like that one Remedios
i like that one Remedios
How old is this account? If the account is less than 6 months old. Don't expect much from Discover. Eventually they'll open up. It was at least 6 months and possibly 9 months before I got any cli from them. They couldn't care less about AZEO or any other technique used here. lol
@Gmood1wrote:How old is this account? If the account is less than 6 months old. Don't expect much from Discover. Eventually they'll open up. It was at least 6 months and possibly 9 months before I got any cli from them. They couldn't care less about AZEO or any other technique used here. lol
94 days old lol.
I mean in your case it was probably they simply opted not to compete with your portfolio. And I think for me they simply pegged me as being an "unprofitable transactor" and would rather I used their card less, which I'll very happily oblige.
@arkanewrote:$2500 SL, always let statement cut at 0, AZEO ever since app spree 3 months ago, past 90 day mark on 22nd. Pushed luv button today for 0 luv, then called recon and was told reasons for denial were
1) Length of history with account
2) Escalating utilization over all accounts
1 ok can't argue with that, but escalating utilziation? Seriously??? My aggregate util is 1%, and my individual util is either 8% or 4% depending on whether Barclays has reported my new statement balance to the CRAs or not. I'd have to stop using all my cards altogether to drop util lol, and I told the CSR as much. He offered to do a HP and I quickly declined.
Gonna try again in 30 days, and if I get no luv, I'm gonna max out each quarterly cap on the very first day of the quarter then SD the card until the next quarter. I don't need to be insulted like this.
Disco is very strange even if you confer with the oracle at the temple of Disco. Many Disco cards top out between $9K and $11K because of insuffcient usuage at that level. My Disco card started off around $2.5K and is stuck at $11.5K My card is 2 years old and scores 740 plus or minus a few points. I tried quarterly. I have run anywhere from $100 to $1.5K per month through the card nothing matters.
@arkanewrote:
@Gmood1wrote:How old is this account? If the account is less than 6 months old. Don't expect much from Discover. Eventually they'll open up. It was at least 6 months and possibly 9 months before I got any cli from them. They couldn't care less about AZEO or any other technique used here. lol
94 days old lol.
I mean in your case it was probably they simply opted not to compete with your portfolio. And I think for me they simply pegged me as being an "unprofitable transactor" and would rather I used their card less, which I'll very happily oblige.
Lol...don't know about that. My CC portfolio was much smaller than it is now.
There are a bunch of us that are transactors. That doesn't mean anything either.
Maybe not a fanatical transactor, but none the less we don't pay interest on CCs.
It's been at least 8 years since I gave any CC lender a dime in interest.
Time is the only thing that's going to get you a cli with these guys.
@arkanewrote:$2500 SL, always let statement cut at 0, AZEO ever since app spree 3 months ago, past 90 day mark on 22nd. Pushed luv button today for 0 luv, then called recon and was told reasons for denial were
1) Length of history with account
2) Escalating utilization over all accounts
1 ok can't argue with that, but escalating utilziation? Seriously??? My aggregate util is 1%, and my individual util is either 8% or 4% depending on whether Barclays has reported my new statement balance to the CRAs or not. I'd have to stop using all my cards altogether to drop util lol, and I told the CSR as much. He offered to do a HP and I quickly declined.
Gonna try again in 30 days, and if I get no luv, I'm gonna max out each quarterly cap on the very first day of the quarter then SD the card until the next quarter. I don't need to be insulted like this.
They love a guy who racks up bills and pays lots interest on credit cards it seems. You aren’t their type. Their loss. They are hard to figure out exactly who gets limit increases and who doesn’t sometimes.
Yeah pretty much the only known variable is they most definitely prefer revolvers over transactors.
But meh I'd much rather do business with a lender that apprecicates/respects my financial habits and decisions. If I have to take a HP to get CLI I'd much rather do it with Barclays or BoA. (BoA gave me 3x CLI with that one HP, so worth it)