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Established Member
allnicksgone
Posts: 18
Registered: ‎12-26-2011
0

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."

Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

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... :smileyhappy:


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

Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008
0

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!)
Established Contributor
Chris123nTx
Posts: 500
Registered: ‎05-11-2007
0

Re: Discover increase approved message

Bit odd, but i hope you accepted it
Established Member
allnicksgone
Posts: 18
Registered: ‎12-26-2011
0

Re: Discover increase approved message

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

Frequent Contributor
Mailak
Posts: 422
Registered: ‎04-26-2012
0

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? :smileywink:

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k), Macy's (700).
Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

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?

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Established Member
spydermary
Posts: 16
Registered: ‎03-09-2012
0

Re: Discover increase approved message

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

Valued Contributor
thrasher865
Posts: 1,157
Registered: ‎05-21-2008
0

Re: Discover increase approved message

You must have requested $2000, and they countered with $1999.50.  I think their system rounds to whole dollars. :smileywink:  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
Regular Contributor
remarc
Posts: 170
Registered: ‎03-05-2012
0

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


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