Discover tried to CLD

nuggets321 · ‎03-25-2011

As part of my rebuilding I had opened several new accounts and have left balances on some to take advantage of the 0% financing. Discover called the other day and said that their computer model had spit me out as a candidate for a credit line DECREASE ! Ugh..... I explained to the credit analyst that I was trying to build a strong payment history to purchase a home in 18-24 months. He left and came back several times and said that they would leave the CL at its present $3000 line due to the face that I have such a strong payment history with them (sometimes paying 3x month) and have 0 negatives on any of my current tradelines. I thought I would see this from Amex but not Discover ??

TU-691 (MYFICO) EQ- 665 (MYFICO) EXP 717(Amex denial letter)
My Wallet : Dicover More 5000CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 2000CL-Kays 1800-Jared 1800-Macys 1500CL /SSFCU 1000CL / CitiBank Plat Select 2000CL / CHASE Freedom 1100CL / Lowes 8500 CL / BBuyStoreCard 2700CL Sears Store Card (Citi) 1920 / Firestone CFNB 1400 Toyota Financial $35,000 Auto Loan /1000DiscountTire(GECRB)

LS2982 · ‎04-09-2011

Thats unfortunate. I would have requested a supervisor.

Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013

nuggets321 · ‎03-25-2011

IF they would have gone ahead with the CLD, believe me I would have requested a Supervisor, however the credit analyst was able to keep the tradeline intact @ $3,000

TU-691 (MYFICO) EQ- 665 (MYFICO) EXP 717(Amex denial letter)
My Wallet : Dicover More 5000CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 2000CL-Kays 1800-Jared 1800-Macys 1500CL /SSFCU 1000CL / CitiBank Plat Select 2000CL / CHASE Freedom 1100CL / Lowes 8500 CL / BBuyStoreCard 2700CL Sears Store Card (Citi) 1920 / Firestone CFNB 1400 Toyota Financial $35,000 Auto Loan /1000DiscountTire(GECRB)

FrugalRican · ‎02-02-2012

I'm sorry, did you misspell Barclay's and called it 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)

tsquad131 · ‎09-12-2010

they tried doing the same thing to do about a month ago, I kept getting calls from a random number and i decided to pick up this time since they never left a message everytime and they said the computer flagged my account because I was carrying a large balance than usual on 1 of my other cards cuz I have a 0% offer on it and he said ok and left it alone

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Citi Dividend($1,500),Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($400), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)

rootpooty · ‎10-28-2011

tsquad131 wrote:
they tried doing the same thing to do about a month ago, I kept getting calls from a random number and i decided to pick up this time since they never left a message everytime and they said the computer flagged my account because I was carrying a large balance than usual on 1 of my other cards cuz I have a 0% offer on it and he said ok and left it alone

thats alot of accounts you have there! nice limits too!

discernment · ‎09-01-2011

Thank you for warning us about this! You would never expect such from Discover but, nowadays, you never know with any lender what they're going to do.

I've STILL not received any notification of any rewards on my Discover account and there should be A LOT. I don't know what's up with that and they don't have any answer for me. Their customer service representatives are very nice -- no question about that -- but, its still frustrating not to get any answers!

Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card

tsquad131 · ‎09-12-2010

they didnt even say anything to me about all my accounts opened the sole reason was because my usual overall credit card balances were usually $500 or less and now its at $1500 so it flagged. I think youll be ok, in the end

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Citi Dividend($1,500),Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($400), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)

emptypockets · ‎02-03-2009

You never know with the CCC's lately. I have a small BT on my Discover ($600 bal, 0% until Feb), and they were calling me last month about why I was't using the card more. It was my b-day month, and they had the extra cash back b-day bonus, blah, blah, blah. I told them I may use it more for that month for the extra cash back, they asked if there was anything else they could help me with, and I asked for a CLI. They asked for a HP, and I declined.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (6/3/13): 799; EX (6/14/13: 790

nuggets321 · ‎03-25-2011

Clever FrugalRican..... actually made me chuckle....

TU-691 (MYFICO) EQ- 665 (MYFICO) EXP 717(Amex denial letter)
My Wallet : Dicover More 5000CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 2000CL-Kays 1800-Jared 1800-Macys 1500CL /SSFCU 1000CL / CitiBank Plat Select 2000CL / CHASE Freedom 1100CL / Lowes 8500 CL / BBuyStoreCard 2700CL Sears Store Card (Citi) 1920 / Firestone CFNB 1400 Toyota Financial $35,000 Auto Loan /1000DiscountTire(GECRB)

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Discover tried to CLD

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Re: Discover tried to CLD