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.
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