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Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Re: Discover CLI Available (Help!)

Ray, did they ever make an attempt to contact you?

 

Or is this more of a "glitch"?

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+

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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Discover CLI Available (Help!)

Why not call in FR and find out what's going on, they may be able to grant a CLI for you.



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Member
Posts: 6
Registered: ‎01-04-2012
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Re: Discover CLI Available (Help!)

I had the same thing happen to me. Two failed attempts on the Luv button, followed by an extended lock out. I waited a month to see if they'd contact me or if I'd see a hard pull show up-- nothin. So one day I called in and the rep said there was nothing pending, offered to try manually for me, and said the system was requiring a hard pull. This was after my seventh statement cut, for what it's worth.

Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
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Re: Discover CLI Available (Help!)

[ Edited ]

Hey Frug! 

 

Got the luv button showing up myself. Decided to call in and try.

 

Shot down.  Got the "you will recieve a letter in 7-10 days explaining why" from the rep.   Got the letter today.

 

We were unable to accomodate an increase for the following reasons:

BUREAU REPORTS HIGH BALANCE HISTORY ON BANKCARDS

BUREAU REPORTS TOO MANY BANKCARD ACCOUNTS WITH HIGH BALANCE

BUREAU-REPORTED RATIO OF BALANCES TO CREDIT LINES ON BANKCARDS

 

Guess it will be a while before Discover will give me a CLI.  My FICO is at 732 and I do have some higher balances on cards I did BT's with.  These will go down over the course of the next year as I pay off the stuff at 0%.  

 

But there is absolutely NOTHING I can do about "HIGH BALANCE HISTORY" which is their number one reason.  :smileysad:    

 

EDIT:  I just turned the paper over.  I guess they also provided me with a TU FICO.  Not sure if it is 04 or what, but it was happy news!  No CLI but the FICO was 754!  Yea!!!   Might be an TU08 because that is about what Walmart shows.  

 

Anyone know what FICO Discover uses?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
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Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
0

Re: Discover CLI Available (Help!)

Oh, and I think you should go ahead and call for one.  You can be assured it will only be a SP that way.  Worst that can happen is they say no.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Re: Discover CLI Available (Help!)

The reason why I didn't call was because I was at work til 5:30 and then I had class from 6 to 9:30, so it was easier to do online.

I should have just been patient and waited until I had a chance to call in. At least I know now that $1,500 increase is a bit "too much" for them.

 

And... I did get a nice response from them in my inbox:

 

Thank you for your interest in receiving a higher credit line. I understand your concern and am happy to assist you today.

After Reviewing your account I show that you withdrew your application for an increase, so we only used the information on your account. We did not pull a credit report at all.

We apologize for any inconvenience this has caused you. If you would like to proceed with your request for a credit line increase, you must provide us with permission to obtain a copy of your credit report. Please fill out the online application completely, and we will be happy to process your request.

We appreciate your business and the opportunity to be of service. Thank you for choosing to use Discover.

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)

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: Discover CLI Available (Help!)


FrugalRican wrote:

Ray, did they ever make an attempt to contact you?

 

Or is this more of a "glitch"?


I never heard a word from them, no. And, there was no HP. So, I think it is a glitch in their system.

 

Eventually, you will be able to try again. Maybe they set a 30 day cookie in your browser? Not sure...

Ray

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