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Proof: Discover has tightened up CLI requirements.

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Community Leader
Mega 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
Message 141 of 162
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Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

Maybe they just went Robin Hood on you Smiley Wink

Message 142 of 162
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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
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Community Leader
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. 


Yep, you were indeed blessed. 



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 144 of 162
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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
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Community Leader
Mega 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
Message 146 of 162
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Established 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.
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 75,000+
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)8500
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 147 of 162
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Established 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
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 75,000+
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)8500
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 148 of 162
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Community Leader
Super 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



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 149 of 162
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Community Leader
Mega Contributor

Re: Proof: Discover has tightened up CLI requirements.

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