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New Card arrived today with 0% for 14 months... The goods of the card end there.
APR after 14 months 18.99% The scale used "based on credit" is 9.99% - 19.99% (I understand doesn't effect us for 14 months but kind of just bugs me to see that knowing the credit report and credit score)
Credit Line is $4500.
EQ Pull From Them = 770
Activation transferred to CSR transferred to Aquisitions transferred to to NOTHING WE CAN DO! Over and over and over again. (STONE WALL) I felt like I was talking to an English speaking GE Rep before you could talk to underwriting!
I know everyone keeps saying $4500 is a good starting limit with Discover and I know we have not seen tons and tons of people getting real high limits, I think actually the $12k or something posted the other day was highest but still witha 770 I just did't imagine it being 1/2 of my lowest limits! I would have accepted the lower limit WAY better if I could have talked to analyst that says you know you do have really good credit but I will tell you this is what made me feel this way or that way or based on our policies this brought you down a couple points or somtehing... just a no no no we can;t do anything no no no from someone who is not part of underwriting upsets me more.
(Sorry talking as myself and the card is my partners and I'm on it... he doesn't Fico like I do! LOL I post for him )
Perhaps lower starting limits are a sign he should garden for a while.
@drkaje wrote:Perhaps lower starting limits are a sign he should garden for a while.
Done and Done... Now if only The American Express Blue Cash Preferred came today I would care about this Discover Card so much less right now!
@Creditseeker93 wrote:
What limit did you get for the AMEX BCE?
I don't know yet and it's killing me BUT I have decided to wait like if it's a "boy or a girl" it's going to be my Baby Daddy or My Big Daddy!
$4500 and a 770? wow. I got $5000 at a 690 with a couple of collections last year on a regula discover. Unless income is really low that just doesn't make since. My income isn't high at all, on the low end.
@drkaje wrote:Perhaps lower starting limits are a sign he should garden for a while.
You for sure made a point in my case...Discover got scared about my app spree and it showed in CL... was not even the last card in the series oh well..I can understand Discover's and Chase's feelings (both received through recon) and will patiently wait for an auto CLI and if not... then that is how it is..life goes on and my gardening is sole for CSP !