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Discover CLI request denied via CSR, recon HUGE SUCCESS!

Regular Contributor

Discover CLI request denied via CSR, recon HUGE SUCCESS!

I got my Discover More card December 25, 2011 at a 1k limit, then I got bumped to $1,350 after 3 months and $1,700 after 6.  I stopped getting the increases and began to wonder.  I called a month ago and the CSR said I was enrolled in some auto review program and that I should be reviewed anytime.  Well a month later I still had not received my next bump.  I called Friday when I noticed my CLI request link would not work, then the automated phone line increase never appeared as an option for me.  The nice CSR said she was unsure why and I explained I wanted to get an increase with no hard pull.  After about 5 minutes on hold (CSR to Supervisor chat) she said we could go through the process and it would tell her if it was a hard pull or not, it was not and I got a firm DENIED...sorry you will receive a letter. 

 

I got the recon # of the forum Saturday morning and called.  The gentlemen in Utah was very nice and he confirmed the inquiry the day before was a soft pull and listed the reasons for denial.  I gave him blow by blow of what would show on a hard pull and he said that it seemed reasonable to be able to get an increase if I did a hard pull, so I agreed.  A few minutes later he was able to explain the actual cause for the denial and we discussed it and he asked what I was looking for, I said $3,000 total CL, he said that would not work, instead $5,700 would!!!!!!!!!!!!!  I hit the floor, he gave me an increase of $4k on the recon with a 660 FICO. 

 

Background with my Discover, I have put on average $1,300 a month through the card and PIF before cycle ends each month.

I have a forclosure 3 years old, a "collection" from AMEX of $0, which was the reason for denial, 3 accounts with multiple 30 day lates, 2 of them have several 60+ lates, but all deliquincies are 2+ years old. 

 

$30k Capital One ---AU

$11k Citi Simplicty -- AU

$1.6k Amex Delta Platinum

$5.7k Discover

 

Prior to CLI I had a 14% util

 

Gotta love my Discover!!!!!!!!!!



Message 1 of 17
16 REPLIES
Established Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

I love how usual CSR's are a waste of time generally =)     

Recon specialists or underwritters are the way to go! 

I think this helps weed out bad people more, cause if you do the research to find a better number, then people usually need the increase =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 17
Senior Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Awesome recon results! Nicely done Smiley Very Happy

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 3 of 17
Established Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

I like dat!

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 4 of 17
Valued Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Wow that's huge
ccpics2.jpg
Message 5 of 17
Established Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Congrats

Message 6 of 17
Valued Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Nice recon, that's great!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 17
Highlighted
Regular Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

well-played, congrats


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


Take the FICO Fitness Challenge
Message 8 of 17
Established Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Very nice Increase!Congrats!!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 9 of 17
Established Contributor

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!


Very nice increase!Congrats!!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 10 of 17