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

Discover CLD

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)


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLD


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?




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

Re: Discover CLD

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)


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLD


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

Re: Discover CLD

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)


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover CLD


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!




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

Re: Discover CLD

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)


Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008
0

Re: Discover CLD

We almost never hear of Discover CLDing people. How bizarre. I wonder what the reason is?
Frequent Contributor
Posts: 445
Registered: ‎10-23-2010
0

Re: Discover CLD

[ Edited ]

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)


Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Discover CLD

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)

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 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.

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.