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Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
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Discover CLD

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‎03-08-2012 03:18 AM

Anyone else get slapped with a CLD?

 

I have no lates no baddies, 700+ they took me down from $4000 to $1500.

 

I think ill just cancel it..... 

 

I bought all their account protection crap, the credit monitoring crap, and they lower my line....wud up wih dat?

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 1 of 13 (630 Views)
 
Mega Contributor
LS2982
Posts: 15,442
Registered: ‎04-09-2011
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Re: Discover CLD

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‎03-08-2012 03:19 AM

minimock wrote:

Anyone else get slapped with a CLD?

 

I have no lates no baddies, 700+ they took me down from $4000 to $1500.

 

I think ill just cancel it..... 

 

I bought all their account protection crap, the credit monitoring crap, and they lower my line....wud up wih dat?

Sorry to hear :smileysad:

 

Do you use the account often?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Message 2 of 13 (628 Views)
 
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
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Re: Discover CLD

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‎03-08-2012 03:27 AM

I put 3 or 4 hundred bucks a month through it.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 3 of 13 (621 Views)
 
Mega Contributor
LS2982
Posts: 15,442
Registered: ‎04-09-2011
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Re: Discover CLD

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‎03-08-2012 03:31 AM

minimock wrote:

I put 3 or 4 hundred bucks a month through it.

Hmm.....maybe they expect more usage?? Are you going to call in and ask why?? Maybe they can reinstate it!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Message 4 of 13 (619 Views)
 
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
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Re: Discover CLD

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‎03-08-2012 03:36 AM

Oh yea, im going to call, but being on the other side of the world, its still a bit early there.

 

At the very least going to cancell the account coverage and credit tracker. NOW THAT will teach them a lesson LOL (Tongue in Cheek)

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 5 of 13 (615 Views)
 
Mega Contributor
LS2982
Posts: 15,442
Registered: ‎04-09-2011
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Re: Discover CLD

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‎03-08-2012 04:11 AM

minimock wrote:

Oh yea, im going to call, but being on the other side of the world, its still a bit early there.

 

At the very least going to cancell the account coverage and credit tracker. NOW THAT will teach them a lesson LOL (Tongue in Cheek)

:smileyvery-happy:

 

I think they'll take it back up for you! Fingers crossed!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Message 6 of 13 (596 Views)
 
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
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Re: Discover CLD

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‎03-08-2012 04:17 AM

Ah Discover sucks anyways, you cant use it in the middle east, thats why I signed up for thier internal products to keep the card active, and make some internet purches.

 

No biggie, I just hate it because of the temp score hit you take.

 

I think I got that OCP when it comes to credit scores LOL.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 7 of 13 (588 Views)
 
Valued Contributor
MrShush
Posts: 1,413
Registered: ‎04-18-2008
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Re: Discover CLD

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‎03-08-2012 05:18 AM

We almost never hear of Discover CLDing people. How bizarre. I wonder what the reason is?
Message 8 of 13 (551 Views)
 
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
0

Re: Discover CLD

[ Edited ]
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‎03-08-2012 06:23 AM - edited ‎03-08-2012 06:28 AM

I called in..... the story is long and I wont bother you with it it, beyond just a few basics for military and government people.

 

Ive been in the trash can (the middle east) for 5 years...

 

I went home for two weeks and used the card a bit more then I usually do, because you cant use the Discover card in the minddle east.....

 

 

Anyways, I have nothing but good things to say about Discover reps.

 

They returned my line of credit and appoligized hat I got caught up in the computer matrix of equations that review accounts.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 9 of 13 (496 Views)
 
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
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Re: Discover CLD

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‎03-08-2012 06:27 AM

So you got the full line back?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 10 of 13 (487 Views)
 

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