Credit Card Center Advertiser Disclosure†
09-10-2011 03:02 PM
Currently disputing a baddie that showed up which should not be there on my EQ report, but decided to pull the trigger on the offer I received for the Discover more card so I could transfer the Balance of my cap1 ventureone card for 0% interest for 15months...Well got the "Application under review, please allow 5-7 days" message so called the Backdoor recon number and spoke with CSR who asked a few questions and told me they could not approve me for the same offer I got in the mail but countered with a higher interest rate of 22% instead of 18%. So i asked which CR they pulled and of coarse they had to pull EQ which has the disputed item on it that dropped my score 40 points fro 714 to 677, so before accepting the new offer I asked if I could call in when the dispute was resolved and change my interest rate and I was told that after 6 months I could call in and ask for a review of my account for lowering my rate and CLI. I thought that was fair since I only plan to pay off the 0% apr balance transfer and pay for gas here and there.
So I accepted and finally got in with Discover, first time ever with a $2000 CL!!! My second highest CL. Now I can call and cancel my FP card!!!
Has anyone been successfull lowering there interest rates with Discover? or was I fed rubbish from the CSR.
09-10-2011 03:11 PM
09-10-2011 03:12 PM
09-10-2011 04:05 PM
Congrats!! I just got approved a few days ago also for discover
09-10-2011 04:26 PM
Congrats, I also was approved with a 5000CL last week, hoping that CL will grow with the account to make it usable.
09-10-2011 05:00 PM
Congratulations! I was also approved for Discover More in late August - much to my surprise.
09-10-2011 09:01 PM
It's so fun to call and cancel FP! I tried last week but they offered me 45 bucks to keep it open. Spent the 45 bucks on school clothes and then closed it.
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.
* 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.
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.