I was declined a CLI for my Discover IT and, while I still wait for the "reasons" for that denial, I just applied for a 2nd card with them. After I had to jump through a little bit of security hoops and loops - automated phone call, request for me to call them, then them calling me - I was approved for a $9,000.00 starting line. For sure it feels better than that denial 
They pulled Experian. At the moment of application:
767 Fico 8 score from Experian (after the pull dropped for 3 points)
- 5% utilization on $27,700.00 total CLs but
$16,814 personal loan balance & 12,698 AMEX Platinum balance
- 3 years average age of accounts
- 5 years oldest account
- Only one (1) inquiry from Jun 28, 2019, also from Discover (it was EQ)
- no baddies.
Credit cards & limits:
$3,000.00 Capital One Silver; $4,000.00 on WF Platinum; $4,200.00 on WF Propel (AMEX); $6,500.00 Discover IT; $10,000.00 Capital One Venture. AMEX Platinum with $30,000.00 limit but that's their pay-over-time limit, i.e not reportable.
Grats on your second Disco approval 
Pretty clear they dont look at usage of your first account when underwriting the second one.
Congrats on your Discover it Miles approval
@kah-pas wrote:I was declined a CLI for my Discover IT and, while I still wait for the "reasons" for that denial, I just applied for a 2nd card with them. After I had to jump through a little bit of security hoops and loops - automated phone call, request for me to call them, then them calling me - I was approved for a $9,000.00 starting line. For sure it feels better than that denial
They pulled Experian. At the moment of application:
767 Fico 8 score from Experian (after the pull dropped for 3 points)
- 5% utilization on $27,700.00 total CLs but
$16,814 personal loan balance & 12,698 AMEX Platinum balance
- 3 years average age of accounts
- 5 years oldest account
- Only one (1) inquiry from Jun 28, 2019, also from Discover (it was EQ)
- no baddies.
Credit cards & limits:
$3,000.00 Capital One Silver; $4,000.00 on WF Platinum; $4,200.00 on WF Propel (AMEX); $6,500.00 Discover IT; $10,000.00 Capital One Venture. AMEX Platinum with $30,000.00 limit but that's their pay-over-time limit, i.e not reportable.
I was just declined a CLI yesterday on my IT. Lately I've been seeing some success from other members so I thought I'd be next, nope lol.
Looks like Discover tightened you up nicely on this new card, 9K SL is pretty smooth. Enjoy your card!
Congrats on the approval ...Discover has been a stubborn one with me with CLI's
