Question - Discover Card - Whats your limit

[Anonymous]

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Anderson wrote:

It's my bedtime, hurry up.

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fused wrote:

I'm calling them right NOW!

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Hey I'm holding my breath here...cmon fused

[Anonymous]

Let's give Fused some breathing room...sure he's still on the phone...

everybody back into the closet so we can all jump out and say "hooray"

shuuuuuuuuuushhhhhhh

[Anonymous]

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Vanyel wrote:

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Have you requested a limit increase? I was afraid that when I app'dthey would give me the HSBC version with a similar limit.  I think you may want to call, I understand their underwriting may have changed a little.

I have seen the Amex Sky miles spit out that type of limit but didn;t know Discover did.

Ahh that must be in I do believe the bank behind the Discover in my wallet is HSBC.  So that must be the difference.

Van

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More than likely so.  HSBC is known for low limits on the discover they offer

[haulingthescoreup]

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@fused wrote:

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@haulingthescoreup wrote:

How many inqs do you already have? I thought you had been the model of restraint. Did DW not smack you with the shoe in time last week?

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This is not poor impulse control, I have been wanting to do this for a loooong time. Discover TD me two years a ago and it's been goal to make them see that I'm a good risk. My other reasons are similar to Brammy's besides I think she has known my wish to have one for some time. I like the purple version, so here I go.

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No, I know it's not poor impulse control; I didn't mean that. I didn't understand why you were worried about the inq's, since I know that you don't app very often. Didn't think that you had very many. Sorry!

Oh well, he's on the phone, blessing out some poor CSR.

[fused]

Yay! I'm approved for 10K with an APR of 10.99%. All I did was climb the ladder and spoke with a

decision-maker. He said there were two problems: my address on EX (hard, I knew it) was not correct and second my income was going to approve me for 50K on their automated system, and he said when this happens, they have to do a manual review which takes a few business days. He said I can accept the 10K then call them back next week and shoot for 50K. I might just do that. Now I'm going to yank my FICO EX and see what the affect to my score is.

[Anonymous]

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haulingthescoreup wrote:

Oh well, he's on the phone, blessing out some poor CSR.

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Fused seems to be the type that will be patienly listening.  Probably still on hold.  I think he got it.

[Anonymous]

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fused wrote:

Yay! I'm approved for 10K with an APR of 10.99%. All I did was climb the ladder and spoke with a

decision-maker. He said there were two problems: my address on EX (hard, I knew it) was not correct and second my income was going to approve me for 50K on their automated system, and he said when this happens, they have to do a manual review which takes a few business days. He said I can accept the 10K then call them back next week and shoot for 50K. I might just do that. Now I'm going to yank my FICO EX and see what the affect to my score is.

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Oh I am Soooooo jealous!!!!  lol

[haulingthescoreup]

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@fused wrote:

Yay! I'm approved for 10K with an APR of 10.99%. All I did was climb the ladder and spoke with a

decision-maker. He said there were two problems: my address on EX (hard, I knew it) was not correct and second my income was going to approve me for 50K on their automated system, and he said when this happens, they have to do a manual review which takes a few business days. He said I can accept the 10K then call them back next week and shoot for 50K. I might just do that. Now I'm going to yank my FICO EX and see what the affect to my score is.

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Woo-hoo!!!

[Anonymous]

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fused wrote:

Yay! I'm approved for 10K with an APR of 10.99%. All I did was climb the ladder and spoke with a

decision-maker. He said there were two problems: my address on EX (hard, I knew it) was not correct and second my income was going to approve me for 50K on their automated system, and he said when this happens, they have to do a manual review which takes a few business days. He said I can accept the 10K then call them back next week and shoot for 50K. I might just do that. Now I'm going to yank my FICO EX and see what the affect to my score is.

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OMG! CONGRATULATIONS!!! What an awesome starting CL- with an AWESOME PERCENTAGE rate to go along with it!!!

Now THAT'S how it's done!!!

Will prob take me at least a year and a half to get to 10K!

[fused]

Just yanked my FICO EX and lost 7 points for the inq but who cares. This was almost as much fun as other great events in my live. It's over with, thanks for encouragement especially you Brammy.