Any solution for Discover not allowing CLI?

[Anonymous]

Long story short, I've been wanting a CLI from Discover as it is my go to card. I need a cli for my holiday shopping paired with their cashback rewards (gift cards/friends/family), and I only have a $500 CL.

I just doubled both of my limits in my sig 3k->6k on cap one, 5.5k->10k on amex. However, Discover still won't budge.

I have all of their criterion and their letter still states lack of experience, which I think is absurd.

For both of my two other cards, I RARELY use them. Discover is my go to card, and that's why I have placed about $8,000 of my spend on this card since mid July. I think the experience portion is covered, as I PIF and also pay into my account so I can actually use this card.

I also have a solid CS, ranging from 750-770 according to my FICO scores provided by Discover. Income is well above $50,000. 

Does anyone have any experience with this?

Disclaimer: I am not rushing to get a higher CL. I know I have limited credit experience. I can wait. I am just curious as to why Discover won't provide me with a higher one, compared to the other lenders I use. Perhaps it is their conservative nature? 

Is there anything I can do?

[FinStar]

It appears you're already doing some positive things with the card by placing the majority of the spend on it so it's likely just a matter of time.  This card is fairly young given you just received this less than 6 months ago?  Now, some accounts can qualify for a CLI after 90 days but not all accounts do - it's all profile driven.  There's a reason that Discover may have started out that low from the get-go.  Some folks may get impatient and go for a HP CLI (since that's always an option), but what is often seen for accounts with similar CLs is not a very good outcome (i.e. maybe another $500 extra?) so the HP may not be worth it.

[Anonymous]

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@FinStar wrote:

It appears you're already doing some positive things with the card by placing the majority of the spend on it so it's likely just a matter of time.  This card is fairly young given you just received this less than 6 months ago?  Now, some accounts can qualify for a CLI after 90 days but not all accounts do - it's all profile driven.  There's a reason that Discover may have started out that low from the get-go.  Some folks may get impatient and go for a HP CLI (since that's always an option), but what is often seen for accounts with similar CLs is not a very good outcome (i.e. maybe another $500 extra?) so the HP may not be worth it.

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Thanks for your response, Fin.

I completely agree that a HP wouldn't be worth it. The thing is, is that Discover doesn't even give me the option to HP!

[Anonymous]

I love suits! Just haven't had time to catch up to the latest season lol...

But, can I ask if you called in and tried speaking to a rep? If you keep hitting the button online it wouldn't be of any use--they simply go by numbers and figures and timeline so...the outcome will remain the same until time has passed.

If you call in though, and speak to a rep, using the same verbiage you have above--I can't imagine them not working with you to at least double your CL to $1000.

Let them know that you really want to use discover as your primary card and that your income (hopefully you've been with the same employer for at least two years) is 50k.

You are currently using the card as much as you can, even to the point of risking high utilization (because it's only 500!) but ultimately you'd like to be able to use the card on an everyday basis without having to submit a payment, wait for it to clear (1-2 days but still) before using it again. You'd also like to keep your utilization low for credit score purposes.

Basically use logic to make them see that there isn't danger in raising your CL and make it so that it's impossible for them not to feel stupid should they give you a canned response of "you don't have enough established history" or whatever nonsense they sent you via snailmail

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

It appears you're already doing some positive things with the card by placing the majority of the spend on it so it's likely just a matter of time.  This card is fairly young given you just received this less than 6 months ago?  Now, some accounts can qualify for a CLI after 90 days but not all accounts do - it's all profile driven.  There's a reason that Discover may have started out that low from the get-go.  Some folks may get impatient and go for a HP CLI (since that's always an option), but what is often seen for accounts with similar CLs is not a very good outcome (i.e. maybe another $500 extra?) so the HP may not be worth it.

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Thanks for your response, Fin.

I completely agree that a HP wouldn't be worth it. The thing is, is that Discover doesn't even give me the option to HP!

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So, was this one of the last cards you obtained during your recent approvals within the last few months?   It's possible that based on SP (AR) + any other internal scoring criteria that they may feel you have sufficient tradelines at this stage.  How many accounts have you opened in the last 12 months?  Are you an AU on any cards?  What are your total CLs?  Is your income higher or lower than 50K?

[Anonymous]

Age maybe?  I know it doesn't factor into scores and shouldn't factor into lending decisions but this is the real world yaknow... That might have something to do with it.

[Anonymous]

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@Anonymous wrote:
I love suits! Just haven't had time to catch up to the latest season lol...

But, can I ask if you called in and tried speaking to a rep? If you keep hitting the button online it wouldn't be of any use--they simply go by numbers and figures and timeline so...the outcome will remain the same until time has passed.

If you call in though, and speak to a rep, using the same verbiage you have above--I can't imagine them not working with you to at least double your CL to $1000.

Let them know that you really want to use discover as your primary card and that your income (hopefully you've been with the same employer for at least two years) is 50k.

You are currently using the card as much as you can, even to the point of risking high utilization (because it's only 500!) but ultimately you'd like to be able to use the card on an everyday basis without having to submit a payment, wait for it to clear (1-2 days but still) before using it again. You'd also like to keep your utilization low for credit score purposes.

Basically use logic to make them see that there isn't danger in raising your CL and make it so that it's impossible for them not to feel stupid should they give you a canned response of "you don't have enough established history" or whatever nonsense they sent you via snailmail

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I appreciate your suggestions.

I have definitely used the same verbiage when talking about my CLI request with a credit analyst from Discover.

I'll try calling them directly and asking about it. Good points there, but I still dont think they would be willing to budge.

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:

It appears you're already doing some positive things with the card by placing the majority of the spend on it so it's likely just a matter of time.  This card is fairly young given you just received this less than 6 months ago?  Now, some accounts can qualify for a CLI after 90 days but not all accounts do - it's all profile driven.  There's a reason that Discover may have started out that low from the get-go.  Some folks may get impatient and go for a HP CLI (since that's always an option), but what is often seen for accounts with similar CLs is not a very good outcome (i.e. maybe another $500 extra?) so the HP may not be worth it.

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Thanks for your response, Fin.

I completely agree that a HP wouldn't be worth it. The thing is, is that Discover doesn't even give me the option to HP!

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So, was this one of the last cards you obtained during your recent approvals within the last few months?   It's possible that based on SP (AR) + any other internal scoring criteria that they may feel you have sufficient tradelines at this stage.  How many accounts have you opened in the last 12 months?  Are you an AU on any cards?  What are your total CLs?  Is your income higher or lower than 50K?

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I, myself, have opened only the three cards in my sig in July. AU on multiple cards with a lot of CL...maybe that's why? I'm AU on two discover cards totaling $30k already.

Total CL is in my sig, the three cards. Reported income is above 50k.

[Anonymous]

Me too disc wouldn't give me a CLI even after a year with them. I've tried the chat and love button but still nothing from them. I just paid it off last month and I won't use it again for a long time. My starting CL was 1000 and I'm stuck with it ever since.

[Anonymous]

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@Anonymous wrote:

Me too disc wouldn't give me a CLI even after a year with them. I've tried the chat and love button but still nothing from them. I just paid it off last month and I won't use it again for a long time. My starting CL was 1000 and I'm stuck with it ever since.

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Geez....that is horrible considering your other cards in your signature.

Have you tried anything else other than chat/luv button?