Ugh.....why does Disco hate me?

[Noximus03]

Had the it card for about 110 days at $1500 initial CL, and my FICO's have increased by 25-38 points since approval day. I tried online today to get a CLI.....no dice. Like insta no. I called in and the nice lady told me I havent had the card long enough?? I'm guessing CLI criteria is different from user to user? 

[Meanmchine]

Has your 3rd statement cut yet?

[Noximus03]

2 weeks ago, yes.

[kilroy8]

Hi,

My first CLI on my first Discover was an auto CLI after 3 months, and I was able to double dip. Hang in there.

[Meanmchine]

Try again next month then. For me, my first CLI came at 4 months old, then again 2 months after that. 

[Jnbmom]

Disco has got to be one of toughest nuts to crack in regards to CLI criteria. They literally have no method to their guidelines.

Hang in there it will come in time , sometimes when you least expect it.

[Anonymous]

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@Noximus03 wrote:

I'm guessing CLI criteria is different from user to user? 

---

Without question.

Creditors don't "hate" or "like" people, they simply prefer certain profiles over others.  I always think it's important to make this distinction, as it's never anything personal. 

[Anonymous]

@Jnbmom

‎

Re: Ugh.....why does Disco hate me?

Disco has got to be one of toughest nuts to crack in regards to CLI criteria. They literally have no method to their guidelines.

Hang in there it will come in time , sometimes when you least expect it."

Disco Method of CLI's .....

"

[Anonymous]

Disco has got to be one of toughest nuts to crack in regards to CLI criteria. They literally have no method to their guidelines.

Hang in there it will come in time , sometimes when you least expect it."

[Anonymous]

Disco Method of CLI's .....

[joltdude]

Didn't get the 3 mo + auto cli (I see) .. Back to the Discover being unpredictable... Possibly be on a 6mo track with them? Still can try every month AFTER the pull date for your EQ score in account.. (Go open up credit scorecard in your account if you want to know when this is.. its usually the same date every month) ... The other option is to sit tight, use and pay your card for 3 more months and see what happens..

Good luck

-J

[joltdude]

Have to remind folks that even though Discover is hardly as aggressive with the buckets as say Cap One or others....

Discover also uses ABS.....  so I do think some folks have different metrics to get to their goals (CLIs) and when they are eligible for them...

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Card-Asset-Backed-Securities-ABS-and-w...

-J