Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

@water..... have you ever got one Besides the first? When I was unsecured I got one, but then I hit the button and got another one after that.
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

@masseffect.... this is so odd. Thx for adding to this. I'll call on Monday and hopefully it will be fixed. Seems super strange to me. Hopefully they figure out how to fix this. I suppose we could close the one card and apply for another... but I will only do that as a last resort.
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Frequent Contributor
Posts: 478
Registered: ‎08-25-2014
0

Re: Discover CLI Situation-Card still in system as Secured

[ Edited ]

Just the one increase. They said the same thing that it shows as secured and always tell me it's a gap in the system and will be resolved and 2 days and do it over phone next time but this has been going on for 4 months

Side not I just applied for another discover to just see if I can just start fresh with an unsecured card from beginning but I got a denial ...

EQ 773
Conflicting reasons:

CURRENT SECURED CARD
TIME SINCE UNSECURED STATUS LESS THAN 12 MONTHS

regardless what you hear, there isn't anyone higher up that can do anything. It's all computer based and the reps only know what is on their screen and will just sound like an android reading the computer message to you

Contributor
Posts: 121
Registered: ‎12-25-2015
0

Re: Discover CLI Situation-Card still in system as Secured

I've had the same issue as the first poster on this thread. My card was unsecured. I think for me it started less than a month ago. I got a line increase in mid february of 1k taking my original line of 1k to 2k. my card unsecured a few months ago.in may my card will be 1 year old. I hit that button several several times till i got an increase in mid february. now when i press the button i get the 2 day message. i call that 800 number and they tell me the secured line business then they withdraw the request. this is very annoying we need to keep on them till they get this fixed. othewise it will be a never ending loop of not ever getting another increase or waiting on an auto increase and that might never happen.

Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

This sucks. Go figure it happens to my favorite card
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

I wonder if you close the current card and then apply if you would get approved. Might be what we have to do
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

Is there an Execitive Office or someone we can write to?

Another strange thing is last mo I was denied for not enough experience at current line. Why didn't I get the denied cuz it is a secured card?
Maybe this is a new thing over the last few weeks?
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Valued Contributor
Posts: 2,492
Registered: ‎03-03-2008
0

Re: Discover CLI Situation-Card still in system as Secured

EO # 866-222-0536

 

If the denials are saying 12 months since converison that's the same as the regular guidleines as well for adding another card from Disco.  I think if everyone having the issue starts hammering them once a week they'll find a solution if it's not just a fluke in the system.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Valued Contributor
Posts: 1,671
Registered: ‎11-20-2016
0

Re: Discover CLI Situation-Card still in system as Secured

This is definitely a downside to having a Discover Secured card. I didn't think there was one until now
FICO 08: TU= 786 (May) EQ= 774 (May) EX= 706 (May) Recent Approvals:Huntington Voice $12k/Amex PRG-NPSL Favorites: Discover It, USB Cash+, Amex PRG
Frequent Contributor
Posts: 420
Registered: ‎02-15-2016
0

Re: Discover CLI Situation-Card still in system as Secured


Djgrolyos wrote:
Is there an Execitive Office or someone we can write to?

Another strange thing is last mo I was denied for not enough experience at current line. Why didn't I get the denied cuz it is a secured card?
Maybe this is a new thing over the last few weeks?

I also got this on my CLI request on 2/7/17 and 1/18/17 so you are not alone... For me, it is most likely that they do not think I am experienced enough since I received that response twice and my last increase was on 12/15/16...........   My card graduated in late November...

 

Okay being a good test bunny, I just logged in and pressed the CLI button I got the "It needs manual review 2 day message" I guess the system has messed my account up as well! 


$1,250.......NPSL/ $300..... $2,500...... $525........ $1,500...........$10,000.......$10,000........$4,800......... $3,300..........$2,000...........$1,000....
25.40%.............0%.............24.49%.......25.24%.......18.74%.......25.24%.........15.49%..........23.49%........27.24%........19.74%.......23.15%.
Fico score 8's 3/2017 Transunion: 736 Experian: 726 Equifax: 696...... AAOA 8 months Clean report, perfect payment History..

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.