Received my first auto-luv CLI +$1,000...1 day after luv-button denial.
Do you think I have a chance to DD via luv button or a phone call...if I was already denied yesterday before receiving auto-luv today?
Some data points:
Student Discover it Chrome
5/12/17 — Online approval for $1,000 SL — *student verification sent instantly, immediate approval
8/22/17 (>3rd stmt.) -- +500, CL $1,500, (luv button); Bal. $0
9/26/17 (>4th stmt.) -- +500, CL $2,000, (luv button); Bal. $0
12/13/17 (>7th stmt.) -- +1,100, CL $3,100, (luv button); Bal. $20
6/30/18 (>13th stmt.) -- +1,000, CL $4,100, (auto-luv, 1d after denial); Bal. $2,596 (use: $0, paid: $500)
*Prior to Christmas--Used + [mostly] PIF b4 stmt cut. Util. & bal. kept btwn. 0-15% when CLI's were approved.
*Denials >10th and >12th stmts; "not enough experience with existing credit line...". But likely due to high balance, low use since Jan.
