Should I try for a Disco CLI

[raisemysc0re]

I've had a Discover-It card for a little over 3 years now.

Started at 6K I think. Upped to 16K in Jan/2018 and then to 18K Sep/2018.

I haven't tried a CLI on the card since because I don't use it very much. 

I'll put a couple of hundred on it like every 3 months.

I have about 12 cards and I'm always under 1% UTI.

Clean reports with Disco showing me a score of 783

Since it is only a SP I was thinking whatt could I lose?

2 Questions...

Since I do not use the card very often could I be opening myself up for a CLD instead?

How important is using the card to Disco for DLI's? 

[M_Smart007]

---

@raisemysc0re wrote:

2 Questions...

Since I do not use the card very often could I be opening myself up for a CLD instead?

How important is using the card to Disco for DLI's? 

---

Hi @raisemysc0re , It cannot hurt to ask.

A "CLD" probably not.

As far as use, Ms.Disco likes use. Having said that, it is still possible to get one with some use.

[FalconSteve]

Since it is a SP CLI, I would go for it

[Remedios]

I cannot believe you haven't asked.

Ask and see what they say. 

If you get denied, at least you will know why. 

[SoCalGardener]

---

@raisemysc0re wrote:

I've had a Discover-It card for a little over 3 years now.

Started at 6K I think. Upped to 16K in Jan/2018 and then to 18K Sep/2018.

I haven't tried a CLI on the card since because I don't use it very much. 

I'll put a couple of hundred on it like every 3 months.

I have about 12 cards and I'm always under 1% UTI.

Clean reports with Disco showing me a score of 783

Since it is only a SP I was thinking whatt could I lose?

2 Questions...

Since I do not use the card very often could I be opening myself up for a CLD instead?

How important is using the card to Disco for DLI's? 

---

Based on what you're saying, and comparing it to my recent experience, I'd say you have nothing to lose by asking...but you're probably going to get denied. Or not. It seems Discover uses some bizarre algorithm to approve/deny CLI requests, something about standing on your head under a full moon in a month with an "r" in its name....

[raisemysc0re]

I did get denied. Looks like 20K is the limit for this card anyways so no big loss.

I'll wait for the denial letter to see tthe reason they give me.

[SoCalGardener]

---

@raisemysc0re wrote:

I did get denied. Looks like 20K is the limit for this card anyways so no big loss.

I'll wait for the denial letter to see tthe reason they give me.

---

Oh well. Nothing ventured, nothing gained!

[BigBS]

---

@raisemysc0re wrote:

I did get denied. Looks like 20K is the limit for this card anyways so no big loss.

I'll wait for the denial letter to see tthe reason they give me.

---

Just curious, what would lead to thinking the card had a 20K limit? Many users have Discover IT cards with greater than 20K limit.

[FinStar]

---

@BigBS wrote:

---

@raisemysc0re wrote:

I did get denied. Looks like 20K is the limit for this card anyways so no big loss.

I'll wait for the denial letter to see tthe reason they give me.

---

Just curious, what would lead to thinking the card had a 20K limit? Many users have Discover IT cards with greater than 20K limit.

---

Right.

One of mine is $80K, but I believe that between both my Discover cards this is as far as it'll go for now, which is above and beyond what I expected from Discover.

@raisemysc0re - it's possible that with your income,internal factors and overall profile, this is as comfortable as Discover feels for the time being.  If things change, I'm sure you could squeeze a bit more in the future.

[raisemysc0re]

I think the reason for denial is that I hardly use the card and not my profile or income. My reasoning for thinking is that I googled max Discover It credit limit. At least without IV