@VanderSnoot wrote:
This board helped me to interpret their response of "insufficient experience" as likely to mean that I don't use the card enough, which I don't, because I only use it for the categories.
No, insufficient experience does not mean you don't use the card enough. There is plenty of evidence out there suggesting that card spend is not a big factor for Discover and a complete non-factor on some profiles.
For example, someone in January may request a CLI on their Discover card and get the insufficient experience denial reason. They don't use their card AT ALL in January/February/March, not a single dollar. Then at the end of March they request a CLI and get it. This proves that the spend was a non-factor and the element of time (simply letting more pass) was what allowed for the CLI. I have experienced this first hand.
