Discover is weird .....They will deny you CLI on one card but then approve you for a 2nd card with a higher limit then the first ....(What they did with me)
Cracking the Discover Meta for CLI's is a age old gauntlet
Do a bt, let marinate a few months, pay it , and request cli
.
The serious answer if you want want to skip my tomfoolery is nobody knows.
Now for the tomfoolery. You can try:
- Saying "abracadabra" when clicking the button
- Holding a horseshoe in one hand while clicking the button
- Wearing a horseshoe on your head while clicking the button
- Use a Magic 8-Ball; wait to click the button until it says yes
- Find someone skilled in the mystic art of reading chicken bones; apply if chicken bone reading favorable
These ideas are as good as anything else when it comes to Discover. Good luck!
I'm not sure if a larger spend is the answer as I was also denied and I use my card regularily and pay befor the statement cuts. My goal is to get my $5.6k CL to $10k CL, eventually.
@babygirl1256 wrote:I'm not sure if a larger spend is the answer as I was also denied and I use my card regularily and pay befor the statement cuts. My goal is to get my $5.6k CL to $10k CL, eventually.
That's my goal as well, and it has been for the last nearly 3 years! 😂😭
@babygirl1256 wrote:I'm not sure if a larger spend is the answer as I was also denied and I use my card regularily and pay befor the statement cuts. My goal is to get my $5.6k CL to $10k CL, eventually.
I've taken to using it to pay my rent and paying off before the statement cuts... that uses up 90 percent of my CL.
I'd be happy to get that sucker above 2k where it has sat since it graduated nearly 1.5 years and 50-80 FICO points ago!
But that's the trade-off I've made for my Wonton Credit-Seeking Ways! Disco is a jealous one!
I have done 3 requests as of now, and the 3rd CLI finally went through today, but I still have ways to go to 5 digits.
Usage wise I always had activity on the card and used the 5% categories, except for this quarter I have barely used it. Last month I did max the card temporarily (but not for the 5% category).
Overall I feel like it just didn't matter. The lenght of holding the card (probably due to my overall history) did matter though, as Discover stated in previous rejections that they don't have enough on file about me.
Income is 6 digits, so that didn't contribute much to my CLI either.
@JNA1 wrote:I posted the Micheal Jackson pic because you definitely don't want my advice! 😂😂
This was my stack of Disco denials almost a year ago. There's about 10 more added to this collection now! 🙈🤷♂️
Oh my goodness! My three pale in comparison....
....but I shredded mine.
@AverageJoesCredit wrote:Do a bt, let marinate a few months, pay it , and request cli
That sounds brilliant! 
The problem? I don't have anything to transfer. 
@SoCalGardener wrote:
@AverageJoesCredit wrote:Do a bt, let marinate a few months, pay it , and request cli
That sounds brilliant!
The problem? I don't have anything to transfer.
Perhaps prepay a few months of rent/mortgage using a service like Plastiq?
