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Discover CLI denied

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Cali_Credit
Frequent Contributor

Discover CLI denied

Just hit my 6 Month mark so I decided to call Discover and ask for a CLI. The Rep asked me why I wanted a increase and I stated that 1k was to low and I run around 2k per month in purchases and have to make multiple payments per month just to avoid maxing the card out. The request was denied(will receive a letter in mail) Smiley Frustrated Scores all over 700+ and UTI is 3%  I think IM going to sock drawer Discover Smiley Surprised

 

 

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 1 of 20
19 REPLIES 19
LS2982
Mega Contributor

Re: Discover CLI denied


@IECredit wrote:

Just hit my 6 Month mark so I decided to call Discover and ask for a CLI. The Rep asked me why I wanted a increase and I stated that 1k was to low and I run around 2k per month in purchases and have to make multiple payments per month just to avoid maxing the card out. The request was denied(will receive a letter in mail) Smiley Frustrated Scores all over 700+ and UTI is 3%  I think IM going to sock drawer Discover Smiley Surprised

 

 


SD it!! Mine is there until they show me luv! 




EQ FICO 548 3/3/16
Message 2 of 20
parakleet
Valued Contributor

Re: Discover CLI denied

Wow! That's crazy. Sorry about that. I wonder what the "reasons" will be in the letter. Please keep us posted. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 3 of 20
09Lexie
Moderator Emerita

Re: Discover CLI denied

Message 4 of 20
Cali_Credit
Frequent Contributor

Re: Discover CLI denied

Im assuming it was a Soft, I asked if there was a HP an they said no. I'm not sure how DIscover reviews there accounts for CLI but its annoying! Even Barclay doubled my CL at 6 months without even asking and little use of the card. I been using Discover for everything and let 3 Months report a bal and 3 months report at 0. No luck from themSmiley Frustrated

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 5 of 20
LS2982
Mega Contributor

Re: Discover CLI denied


@IECredit wrote:

Im assuming it was a Soft, I asked if there was a HP an they said no. I'm not sure how DIscover reviews there accounts for CLI but its annoying! Even Barclay doubled my CL at 6 months without even asking and little use of the card. I been using Discover for everything and let 3 Months report a bal and 3 months report at 0. No luck from themSmiley Frustrated


They are extremely conservative.

 

Thats why i'm showing them my wallet hates extremely conservative cards. Smiley Happy




EQ FICO 548 3/3/16
Message 6 of 20
528491
Contributor

Re: Discover CLI denied

They did the same thing to me, except I've had my card for 9-10 months with no luv. Smiley Sad


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Message 7 of 20
knoregs
Established Contributor

Re: Discover CLI denied

Discover sure is a weird beast. It seems they'll hand out the new 'It' card to anyone who apps but yet someone using their card (and credit) responsibly can't get a simple CLI.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 8 of 20
FocusedAndDetermined
Senior Contributor

Re: Discover CLI denied

Sorry about the decline, but don't feel too bad.  Chase has not shown me any luv in 4 yrs., and they issue  other cards that I want. 

Message 9 of 20
ObeyJohnny12
Established Contributor

Re: Discover CLI denied

Im in the same boat as you. I had my Discover More card for more than a year and they still show me no luv. The worst part is that even online it wont let me ask for an increase it always gives me an unavailable at this time message. Smiley Sad its chillin' in the SD.
Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 10 of 20
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