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WM Discover Love!

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chan85
Established Contributor
‎05-08-2013 11:06 AM
‎05-08-2013 11:06 AM

WM Discover Love!

After multiple declined CLI with the love button, I log into my Walmart Discover account and see an increase of $1200!! Very happy, soft pulls or unsolicited cli helps fight the urge to leave the garden! This is now my highest CL!

Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020

Long Term Debt:
Fed Loans - $150k
Navient - $100k

Taking a "if God don't do it, it won't get done..." approach to paying these off.
Message 1 of 13
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12 REPLIES 12
rex_03
Contributor
‎05-08-2013 11:09 AM
‎05-08-2013 11:09 AM

Re: WM Discover Love!

Congrats!!
Message 2 of 13
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shakalaka
Established Contributor
‎05-08-2013 12:03 PM
‎05-08-2013 12:03 PM

Re: WM Discover Love!

Congrats



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 3 of 13
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CribDuchess
Established Contributor
‎05-08-2013 12:10 PM
‎05-08-2013 12:10 PM

Re: WM Discover Love!

That's wonderful - congratulations!!  I have had no luck clicking that button.....always denied.  My success in getting a huge CLI from them ($3600 to $10,000 in one phone call) was by calling them at 1-877-379-8173.  Rumor has it that it's best to call during evenings or on the weekend.  I called on a Sunday evening.  If you want more, I recommend that you call them later tonight. Smiley Wink

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 4 of 13
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kevinjjc
Valued Contributor
‎05-08-2013 12:14 PM
‎05-08-2013 12:14 PM

Re: WM Discover Love!

+1. GECRB recons are better after normal business hours.
Message 5 of 13
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rtw
Established Contributor
‎05-08-2013 12:50 PM
‎05-08-2013 12:50 PM

Re: WM Discover Love!

Congratulations!!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 6 of 13
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armbenderc
Valued Contributor
‎05-08-2013 03:10 PM
‎05-08-2013 03:10 PM

Re: WM Discover Love!

@chan85 wrote:

After multiple declined CLI with the love button, I log into my Walmart Discover account and see an increase of $1200!! Very happy, soft pulls or unsolicited cli helps fight the urge to leave the garden! This is now my highest CL!

Would love to see my Walmart card upgraded to Walmart Discover... I stop hitting love button and just call the credit solution Smiley Very Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 7 of 13
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boomhower
Valued Contributor
‎05-08-2013 03:35 PM
‎05-08-2013 03:35 PM

Re: WM Discover Love!

Yep, call Credit Solutions.  I got a tick over $10k in CLI between two cards in 10 minutes. 

Message 8 of 13
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chan85
Established Contributor
‎05-08-2013 03:43 PM
‎05-08-2013 03:43 PM

Re: WM Discover Love!

Wow I may consider calling at some point! Ill keep that in mind about weekends and after hours! Most of my cli with them has been auto from them. When I switched from the store card to discover they bumped me up when I activated new card, and before that I think a few were autos and then I called in through the system one time. Once I realized I could enter in an amount and after it told me I was approved back out, I played with it for a while and saw how high it would go before it countered. Right now ill probably leave it alone. I was looking at my income and the debts I owe and I'm realizing I'm over extended. When I get credit I tend to use it, so the 1200 increase is really sufficient. Ill keep it as an emergency but not really planning to use it.
Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020

Long Term Debt:
Fed Loans - $150k
Navient - $100k

Taking a "if God don't do it, it won't get done..." approach to paying these off.
Message 9 of 13
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09Lexie
Moderator Emerita
‎05-08-2013 03:45 PM
‎05-08-2013 03:45 PM

Re: WM Discover Love!

Congrats on CLI! I agree with others, call Credit Solutions after hours.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

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Message 10 of 13
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