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Proof: Discover has tightened up CLI requirements.

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New Contributor

Re: Proof: Discover has tightened up CLI requirements.

I have a large balance on my Discover card and they keep giving me CLI after CLI.

My Current Cards: Capital One Quicksilver $2250, Amazon Store Card $3550, Paypal 2% MC $6,900, Paypal Credit Line $1,500, Marvel Mastercard $3800, Discover IT $4,500, CITI Double Cash $2,000
My FICO8 Scores: TU: 735 EX: 739
Message 41 of 162
Community Leader
Senior Contributor

Re: Proof: Discover has tightened up CLI requirements.


@crestfallen wrote:

I have a large balance on my Discover card and they keep giving me CLI after CLI.


Oh I'm so sorrrrrrrrrry Smiley Wink

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 42 of 162
Established Contributor

Re: Proof: Discover has tightened up CLI requirements.

It was a nice effort to understand what makes Disco tick.

Message 43 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

Looking forward to seeing my next denial letter to see if the not using limit language is still there, or if I go back to insufficient experience...  Will report back when it arrives.

Message 44 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

I got another insufficient experience letter yesterday. Hadn’t used the card for more than $10 since March.

I am wondering if there was just a momentary glitch in the insufficient experience universe that caused the machine to spit out a different reason code and make us all spiral out of control about it. Smiley Tongue

Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 45 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

Very well could be.  We'll see what happens going forward.

Message 46 of 162
Contributor

Re: Proof: Discover has tightened up CLI requirements.

I requested a CLI last Sunday (6/16) & just received my denial letter..."Insufficient Experience with Current Discover Card Credit Limit." I can't really blame them I did recieve a $800 increase in May. I'm relieved to say the least, I was dreading the "little usage" excuse.
Discover: $4800
Cap One QS: $1651
CFU: $3400
PPMC: $800
AAOA: 15 mos
Experian (fico 8) 744
Transunion (fico 8) 750
Equifax (fico 8) 741
Message 47 of 162
Established Member

Re: Proof: Discover has tightened up CLI requirements.

Yes! I second that 🙋🏽‍♀️ They’re becoming a bunch of tightwads 😓
Message 48 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.


@HoneyBaked wrote:
Yes! I second that 🙋🏽‍♀️ They’re becoming a bunch of tightwads 😓

At least around here, most just use Discover for the (capped) 5% category and little/nothing else, and many of us have way larger limits than warranted. My Discover is at 25k or something like that; I have stopped asking for an increase because there's no point.  So I can't say I'm really surprised if they did tighten up the CLI process because most of these limits are not going to be used.

Message 49 of 162
Super Contributor

Re: Proof: Discover has tightened up CLI requirements.

I agree 100% with the above post.  A high Discover card limit if the card is being used only to max rewards is not necessary at all.  One can only spend $500/mo on average ($1500/quarter) before they hit the cap.  All one really needs is a (say) $2000-$3000 limit on their Discover card to keep utilization in check if floating a ~$500 balance, give or take.  Anything above a $3k limit or so is really just fluff.

Message 50 of 162
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