Discover CLI Denial interpretation

keekers · ‎02-10-2023

Question for those who have experience with Disco. I regularly apply for CLIs every 3 months or so and have been given increases the last couple times I requested them. This time I was denied and the letter states the denial is for "Insufficient Experience with Current Discover Card Credit Limit". Does this mean I haven't been at my currentl CL long enough or that I haven't spent enough on the card?

FireMedic1 · ‎02-10-2023

Close enough. Disco loves to be your go to card. Run it up. PIF worked for me in the begininng. Then dried up as others came along. YMMV.

Remedios · ‎02-10-2023

@keekers wrote:
Question for those who have experience with Disco. I regularly apply for CLIs every 3 months or so and have been given increases the last couple times I requested them. This time I was denied and the letter states the denial is for "Insufficient Experience with Current Discover Card Credit Limit". Does this mean I haven't been at my currentl CL long enough or that I haven't spent enough on the card?

Spend.

They aren't cap One, you don't have to cycle your limit daily but they do like to see significant use.

Disco hasn't been handing out increases like candy in years, and I doubt they will do it in the future.

To their credit, they aren't doing CLDs (yet) for what they consider lack of use, they just won't hand out *more-to-not-use*