Question About Discover CLI Request

[elboullee]

Pretty simple question.

Does a CLI denial letter from Discover stating "insufficent experience with current credit line" just mean "it's been less than six months since your last increase"?

Thx.

[Wu-Credit]

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@elboullee wrote:

Pretty simple question.

Does a CLI denial letter from Discover stating "insufficent experience with current credit line" just mean "it's been less than six months since your last increase"?

Thx.

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I've been getting this denial for the last 6 months every other week. Or it may be "insufficient usage of current credit line."

I guess I can just try again and report back lol.

Edit: Denied again.

[keekers]

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@elboullee wrote:

Pretty simple question.

Does a CLI denial letter from Discover stating "insufficent experience with current credit line" just mean "it's been less than six months since your last increase"?

Thx.

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I wouldn't say 6 months specifically but yes, they want to see you use the CL you have now responsibly for longer.

[Heatt99]

It just means you're not using enough of the current CL.

Disco is weird, you can use 30% of the line, pay in full, and denied CLI

But if you use 30%, and let 30% post for two to three billing statement, one might get a CLI.

So most grow Disco in the 0% intro period or 0% BT phase.

[GZG]

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@elboullee wrote:

Pretty simple question.

Does a CLI denial letter from Discover stating "insufficent experience with current credit line" just mean "it's been less than six months since your last increase"?

Thx.

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usually means not enough spend or you're at the maximum limit 

I got 2 CLIs in 3 months, so there's no 6 month requirement between CLIs

perhaps with the whole cap1 thing, things might have changed since then 

just try everytime you see the FICO scorecard update with a new date, that means a new report was pulled

[Zoostation1]

@elboulleeIt's not directly related to 6 months IMO.   Discover gave me that message with denial for over a year before approving the next two CLI requests I made with them.

[Citylights18]

Discover is most likely to give you a CLI if you are near the max on their card and it appears that you could use additional limit.

I've had a Disco BT strategy going on for a while where I execute a BT with the idea of using it to help increase my limit on the card.