Very interesting...I don't have much to add though on the reason listed since all my denied CLI requests have been the insufficient experience with current limit reasing. I have noticed though that Discover handles the high balance (or on some reports labeled high historical balance) differently though. My Capital One cards show the highest posted balance since account opening in that field, while my Discover shows the highest of my reported statement balances rather than the highest posted balance. Can't speak for my Amex as it isn't showing as reported yet.
Very interesting. I'll check my reasons on the denial letters when they come.
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