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Proof: Discover has tightened up CLI requirements.

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Community Leader
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

If Discover is giving me, literally POOR AJC, 5k increases, then you know THEY ARE TIGHTENING UPSmiley Wink
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Message 141 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

Maybe they just went Robin Hood on you Smiley Wink

Message 142 of 162
Regular Contributor

Re: Proof: Discover has tightened up CLI requirements.

I recently applied for a CLI on my IT card and I was denied due to "status of previous account." I burned Discover in my CH 7 back in 2016. They let me back in Dec 18 with a $10k limit so I can't complain too much. 

BK7 08/2016 | DC 12/2016

Message 143 of 162
Community Leader
Senior Contributor

Re: Proof: Discover has tightened up CLI requirements.


@nykos5000 wrote:

I recently applied for a CLI on my IT card and I was denied due to "status of previous account." I burned Discover in my CH 7 back in 2016. They let me back in Dec 18 with a $10k limit so I can't complain too much. 


Yep, you were indeed blessed. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
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 144 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.


@nykos5000 wrote:

I recently applied for a CLI on my IT card and I was denied due to "status of previous account." I burned Discover in my CH 7 back in 2016. They let me back in Dec 18 with a $10k limit so I can't complain too much. 


Wow, that's a short memory at ~2 years and with a 5-figure limit to boot.

Message 145 of 162
Community Leader
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

Id say you cant complain AT ALLSmiley Wink. Most of us would trade in our grandma for a 10k Discover lol, and getting it out of the gate after burning them 2 years earlier is amazing and mind boggling at same timeSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 146 of 162
Frequent Contributor

Re: Proof: Discover has tightened up CLI requirements.

I'm still being denied for same reason not enough experience with current limit..
Only increase I've got was when my first card applied on 5/2018 was unsecured 12/2018 200-2000.
Both cards were approved almost exactly one year apart. I've had new card for four months now. Hopefully when they update my FICO score I will be approved. I have noticed a 3-4 soft pulls on Experian in last 45 days.
I'm actually shocked because I figured they would see my higher limit cards, and try and match them but maybe it worked out the other way.. o well there loss. Putting $1000 in auto repairs on my amex bbp instead since limit is 6k. The 2x MR'S are more lucrative than the 2% cb for me. C'mon Disco I really am sick of these twin 2000 limits lol.
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 147 of 162
Frequent Contributor

Re: Proof: Discover has tightened up CLI requirements.

Id say you cant complain AT ALLSmiley Wink. Most of us would trade in our grandma for a 10k Discover lol, and getting it out of the gate after burning them 2 years earlier is amazing and mind boggling at same timeSmiley Wink

+1
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 148 of 162
Community Leader
Senior Contributor

Re: Proof: Discover has tightened up CLI requirements.


@dtk6802 wrote:
This is what I was hopeful for, and I still think it will or should be the case. The thing is last year I didn't have any higher limit cards,(most 500 limits) and Disco was the first besides my Dcu visa 3k to give a decent limit. Now they have fallen behind and hope they attempt to take my #1 spot. I'm thinking they are going to give me a nice cli when they do. I've opened up 3 cards since May including 2nd disco so maybe they want to see me handle that new credit. O ya bipolar disco no rhyme or reason. The day after I got my Citi rewards with more than double the limit of Discover I noticed a disco sp the next day so I know they at least looked at my report since it hit. We will see.

Hmmmm. That SP may have been to see how much new credit you are getting in a short period of time, which is a no-no. You may want to think about slowing down to one CC every 6-12 months. JMO

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
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 149 of 162
Community Leader
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

I shudder to think how many times Disco has sp'd meSmiley Wink YikesSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 150 of 162
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