topic Re: THANK YOU!!! Big Discover CLI! in Credit Cards

THANK YOU!!! Big Discover CLI!

joeyh2007 — Thu, 17 Jan 2013 15:08:46 GMT

So I was driving back to Brooklyn from Atlantic City this morning and as I was sitting in traffic on the Staten Island Expressway, I realized that it was my 6 month mark with Discover today. So I called and spoke to a very friendly rep who said they would have to pull a report. She said that they only pull TU for CLIs. So I decided to ask for 5K sincce I haven't reached that mark yet. After a brief hold and asking a few questions about my CR, she said that she would be happy to grant my request.

I am thrilled to enter the 5K CL club as it will pave the way for a CSP and my other creditors matching that CL. I thanked the woman and meant it because I am very impressed at the level of service at Discover. They really do listen and have a customer oriented business model.

Re: THANK YOU!!! Big Discover CLI!

Epcot — Thu, 17 Jan 2013 15:17:57 GMT

Nice, Congrats on the increase!

Re: THANK YOU!!! Big Discover CLI!

MsLadyRover — Thu, 17 Jan 2013 15:43:59 GMT

Sweet! Congratulations!

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Thu, 17 Jan 2013 15:44:38 GMT

Congrats! What was your cl before the cli?

Re: THANK YOU!!! Big Discover CLI!

Cadillac-XTS — Thu, 17 Jan 2013 19:20:45 GMT

Congrats

Re: THANK YOU!!! Big Discover CLI!

isoldmyatlas — Thu, 17 Jan 2013 21:49:30 GMT

That's awesome, congrats!! What does your TU report look like in terms of INQs?

Re: THANK YOU!!! Big Discover CLI!

joeyh2007 — Thu, 17 Jan 2013 22:29:50 GMT

Well at the time, the current CL was $1,500 and a $700 balance from holiday shopping but they saw my payment history.

My TU had 4 inquiries on it. I'm still very impressed with Discover right now.

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Thu, 17 Jan 2013 22:35:30 GMT

so you went from 1500 to 5k? that means i could get a big cli like that if i try :)

Re: THANK YOU!!! Big Discover CLI!

joeyh2007 — Thu, 17 Jan 2013 22:42:18 GMT

jsickz32 wrote:
so you went from 1500 to 5k? that means i could get a big cli like that if i try :)

Just call it in and have a conversation with the analysist and offer an explanation for anything that may be on your report before they can ask. Perhaps mentioning that you want Discover to be your primary card will help too.

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Thu, 17 Jan 2013 22:44:05 GMT

joeyh2007 wrote:
jsickz32 wrote:
so you went from 1500 to 5k? that means i could get a big cli like that if i try :)
Just call it in and have a conversation with the analysist and offer an explanation for anything that may be on your report before they can ask. Perhaps mentioning that you want Discover to be your primary card will help too.

i think i will. i dont have anything bad in my CRs. ive been using it a lot to buy stuff from shopdiscover.

Re: THANK YOU!!! Big Discover CLI!

LS2982 — Thu, 17 Jan 2013 23:00:08 GMT

joeyh2007 wrote:
So I was driving back to Brooklyn from Atlantic City this morning and as I was sitting in traffic on the Staten Island Expressway, I realized that it was my 6 month mark with Discover today. So I called and spoke to a very friendly rep who said they would have to pull a report. She said that they only pull TU for CLIs. So I decided to ask for 5K sincce I haven't reached that mark yet. After a brief hold and asking a few questions about my CR, she said that she would be happy to grant my request.

I am thrilled to enter the 5K CL club as it will pave the way for a CSP and my other creditors matching that CL. I thanked the woman and meant it because I am very impressed at the level of service at Discover. They really do listen and have a customer oriented business model.

CONGRATS!!!

They really will not work with me about a CLI. Pretty nerve-racking. :smileymad:

Re: THANK YOU!!! Big Discover CLI!

webhopper — Thu, 17 Jan 2013 23:53:26 GMT

Congrats!!

Re: THANK YOU!!! Big Discover CLI!

TJDgator — Fri, 18 Jan 2013 00:19:50 GMT

Congrats! That gives me hope, my 6 months is coming up soon. Don't forget that they like to skip a month of reporting to the credit bureaus after a cli, so if your counting on the limit getting you another card soon i'd ask for a mid-cycle update on your credit reports.

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Fri, 18 Jan 2013 01:49:50 GMT

i called for a cli and denied! :smileysad: too bad i been using this card a lot because of shopdiscover.

Re: THANK YOU!!! Big Discover CLI!

joeyh2007 — Fri, 18 Jan 2013 01:57:02 GMT

jsickz32 wrote:
i called for a cli and denied! :smileysad: too bad i been using this card a lot because of shopdiscover.

Did they do a HP?

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Fri, 18 Jan 2013 01:57:43 GMT

dont know. ill let you know if i get an alert.

Re: THANK YOU!!! Big Discover CLI!

joeyh2007 — Fri, 18 Jan 2013 01:58:44 GMT

I ask because the rep told me that she could only process my request with a HP and needed my permission to continue.

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Fri, 18 Jan 2013 02:02:00 GMT

i didnt get asked that.

Re: THANK YOU!!! Big Discover CLI!

joeyh2007 — Fri, 18 Jan 2013 02:04:26 GMT

Then they may have only checked to see if they had an offer for you. That's what they told me....that I didn't have a current offer and if i still wished to continue, a HP would be needed.

Re: THANK YOU!!! Big Discover CLI!

jsickz32 — Fri, 18 Jan 2013 02:07:23 GMT

i called and told her i want a cli. they asked me for all my info and stuff. also ever since my account turned 6 months old i been trying checking the luv button in the drop down menu and i keep getting this "we're sorry you cannot request another cli while you have one in progress" i wonder what that means.