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Frequent Contributor
minimock
Posts: 445
Registered: ‎10-23-2010
0

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 (1,150 Views)
 
Mega Contributor
LS2982
Posts: 15,453
Registered: ‎04-09-2011
0

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 Smiley Sad

 

Do you use the account often?



EQ FICO 548 3/3/16
Message 2 of 13 (1,148 Views)
 
Frequent Contributor
minimock
Posts: 445
Registered: ‎10-23-2010
0

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 (1,141 Views)
 
Mega Contributor
LS2982
Posts: 15,453
Registered: ‎04-09-2011
0

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!



EQ FICO 548 3/3/16
Message 4 of 13 (1,139 Views)
 
Frequent Contributor
minimock
Posts: 445
Registered: ‎10-23-2010
0

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 (1,135 Views)
 
Mega Contributor
LS2982
Posts: 15,453
Registered: ‎04-09-2011
0

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)

Smiley Very Happy

 

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



EQ FICO 548 3/3/16
Message 6 of 13 (1,116 Views)
 
Frequent Contributor
minimock
Posts: 445
Registered: ‎10-23-2010
0

Re: Discover CLD
Options

‎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 (1,108 Views)
 
Valued Contributor
MrShush
Posts: 1,413
Registered: ‎04-18-2008
0

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 (1,071 Views)
 
Frequent Contributor
minimock
Posts: 445
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 (1,016 Views)
 
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

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 (1,007 Views)
 
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