Credit Card Center Advertiser Disclosure†
01-06-2012 04:34 PM
As mentioned in my previous posts, I am working on increasing my CLs on my current cards in order to grow them while gardening. I contacted Discover today. I tried to do an automated request for CLI however when I pressed the option on my phone it wouldn't take me to the system. I spoke with a rep who then stated that that feature will not be available until March 23rd as this is my 6 month mark with Discover. She also explained that even if the automated system transfers you to the CSR during the request it doesn't mean hard pull. She said that the system will automatically give you a CLI over the phone or it will ask the rep to read a disclosure if the disclosure is read, you can cancel because at that point you will encounter a HP. So for those of you fellow myficoers who have been transferred to a live rep while using the automated system for increase just know that the CSR will not HP without a disclosure so don't HANG UP it's worth the possible CLI!!
01-06-2012 05:08 PM
01-06-2012 05:10 PM
01-06-2012 05:15 PM
01-06-2012 05:25 PM
01-06-2012 06:09 PM
Ha! For grins, after reading this thread I popped on to my Disco account to see if there was a luv button (only been open for 2 months).
There was a button...: "Request a Credit Line Decrease".
I've never seen that one before!
01-06-2012 06:12 PM
01-06-2012 07:07 PM
01-06-2012 07:08 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.