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Discover increase approved message

Established Member

Discover increase approved message

So I played with the button and was approved for the $2,000 increase I requested. I was at $1,500. Either I am not reading this right, or this doesn't make sense. Here is the text copied directly from the approval message:

 

"Congratulations! You've been approved for a credit line increase of $2,000.

You requested a credit line increase of $2,000. Unfortunately, we were unable to approve the full amount. This increase of $2,000 brings your new available credit line $3,500, and your new cash line $1,900 .

You have the option to accept the $2,000 increase now, or request a higher amount. If you choose to request the higher amount, a credit bureau report will be requested and an inquiry will be placed into your bureau file, which could affect your credit score."

Message 1 of 12
11 REPLIES
Established Contributor

Re: Discover increase approved message


allnicksgone wrote:

So I played with the button and was approved for the $2,000 increase I requested. I was at $1,500. Either I am not reading this right, or this doesn't make sense. Here is the text copied directly from the approval message:

 

"Congratulations! You've been approved for a credit line increase of $2,000.

You requested a credit line increase of $2,000. Unfortunately, we were unable to approve the full amount. This increase of $2,000 brings your new available credit line $3,500, and your new cash line $1,900 .

You have the option to accept the $2,000 increase now, or request a higher amount. If you choose to request the higher amount, a credit bureau report will be requested and an inquiry will be placed into your bureau file, which could affect your credit score."


Accept it!

 

They're offering you a $2000 CLI with only a soft pull... Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 2 of 12
Established Contributor

Re: Discover increase approved message

I feel like I read another thread earlier today where the user said that they countered his request with an offer that was equal to the request... Might just be funny phrasing based on a fill in the blank type of response lol

 

Congrats!  (And thanks for including your original CL and the increase!  I'm taking notes so I have a good guesstimate of what I should ask for when I hit the 6 month mark with my $1000 limit hehe)

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 3 of 12
Established Contributor

Re: Discover increase approved message

Bit odd, but i hope you accepted it
Message 4 of 12
Established Member

Re: Discover increase approved message

I tried to decipher it for a minute, then accepted.

Message 5 of 12
Frequent Contributor

Re: Discover increase approved message


allnicksgone wrote:

I tried to decipher it for a minute, then accepted.


Did you accept your requested CLI of $2,000 or their counter offer CLI of $2,000? Smiley Wink

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k)
Message 6 of 12
Valued Contributor

Re: Discover increase approved message

How long have you had the card? I recently just got a Discover and I would love to get a CLI to bring my CL over $5000. What are your spending habbits with the card?

AMEX: $25,000, CSP: $10,000, Chase Priority Club: $1,500, Freedom: $6000, Discover: $21,000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 7 of 12
Established Member

Re: Discover increase approved message

I am also eager to know how long you have had the card and your spending habits with it!

Message 8 of 12
Valued Contributor

Re: Discover increase approved message

You must have requested $2000, and they countered with $1999.50.  I think their system rounds to whole dollars. Smiley Wink  Congrats, Discover has always been generous with me.  Here's to debunking the stigma that Discover is one of the stingiest lenders.


Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 9 of 12
Regular Contributor

Re: Discover increase approved message

Would you guys mind telling  me how long youve had the card & spending habbits, PIF Etc etc? im at $1000 and love to get a increase when my 6 months rolls round

Message 10 of 12