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The Discover "luv" button,

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lithium78
Established Contributor

Re: The Discover "luv" button,

Have people had to ask Discover for CLIs?  All of mine have been auto after six months at a time.


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Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
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Message 11 of 20
snowkitty
Established Contributor

Re: The Discover "luv" button,

I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto. Cat Wink

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

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Message 12 of 20
jsickz32
Valued Contributor

Re: The Discover "luv" button,

Im at 8 months and no love so ive stopped using my IT card.
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Message 13 of 20
ObeyJohnny12
Established Contributor

Re: The Discover "luv" button,


@snowkitty wrote:

I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto. Cat Wink


I had mine for 10 months and nothing, not even a auto cli. I used the card often but seeing how It's not going to grow i stopped using it. 

Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 14 of 20
Gunnar419
Valued Contributor

dnRe: The Discover "luv" button,

I wouldn't conclude that a Discover card is not going to grow. It's not going to grow in predictable leaps like a GE or Amex card often does. Discover has its own mysterious, often slow, ways of doing things. I've had Discover for close to 20 years and still couldn't begin to tell you what their methods and standards for CLIs are. But still they've grown to be my highest CL. And it's an unfailingly good card with unfailingly good customer service.

Message 15 of 20
snowkitty
Established Contributor

Re: The Discover "luv" button,


@ObeyJohnny12 wrote:

@snowkitty wrote:

I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto. Cat Wink


I had mine for 10 months and nothing, not even a auto cli. I used the card often but seeing how It's not going to grow i stopped using it. 


I have seen them do random sp's on my credit so I guess they keep watch. Hopefully they will see when my new Amex's show up and give me a cli then. I hope they do something because I really like the card but I use the higher limit cards so that IF a balance posts, it will be small compared to my cl.

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 16 of 20
Bay_Area_Joe
Frequent Contributor

Re: The Discover "luv" button,

What I can tell you is that I have done the same thing and got the message to call.

 

I finally got the guts to call as I wanted to get another increase.  I have not had my card all that long, 1.5 years.

 

Started at 7500, got an auto cli of 800 about 6 months after, then I tried online and by automated phone, got the call message.

 

When I did call on a saturday AM I got a nice guy, very very chatty, we talked about my job, what type of job, and I am self employed.  Talk even about the snow conditions and skiing, about a 10 min conversation.

 

After review, he said you approved for 2k increase with only a soft pull, then at the end he asked if there was anything else he could do, so I asked, can you do another 1k, and he said yes, got 3k with soft, my highest CL.

 

I found they just want to talk to you, hear you, you being sincere, a regular person, and why you love Discover so much doesn't hurt either.

 

Just call, it can't hurt.

 

I am due to call agaiin next month, and I will be asking for another 3.2k, I want to reach the 15k barrier.

 

All thanks to this forum as I would never has just called and asked before getting into here.

 

 

 

 

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 17 of 20
randeman
Frequent Contributor

Re: The Discover "luv" button,


@Bay_Area_Joe wrote:

What I can tell you is that I have done the same thing and got the message to call.

 

I finally got the guts to call as I wanted to get another increase.  I have not had my card all that long, 1.5 years.

 

Started at 7500, got an auto cli of 800 about 6 months after, then I tried online and by automated phone, got the call message.

 

When I did call on a saturday AM I got a nice guy, very very chatty, we talked about my job, what type of job, and I am self employed.  Talk even about the snow conditions and skiing, about a 10 min conversation.

 

After review, he said you approved for 2k increase with only a soft pull, then at the end he asked if there was anything else he could do, so I asked, can you do another 1k, and he said yes, got 3k with soft, my highest CL.

 

I found they just want to talk to you, hear you, you being sincere, a regular person, and why you love Discover so much doesn't hurt either.

 

Just call, it can't hurt.

 

I am due to call agaiin next month, and I will be asking for another 3.2k, I want to reach the 15k barrier.

 

All thanks to this forum as I would never has just called and asked before getting into here.

 

 

 

 


This is very interesting.  As I stated (I think) I don't really need the CLi, I just wondered what all the "luv button" talk was about.  I have been happy with the small increases that they have given me every quarter or so.  But since I have had the card for a year now, I may be due something more substantial.  Although if I do call, I hope they continue to grant the quarterly increases whatever their decision.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.
Message 18 of 20
Pilotdude
Established Contributor

Re: The Discover "luv" button,

My wife has had her Discover card for 18 months and never once has the "luv " button done anything but the 1-800-nocli4U business.

 

we have never called them for a CLI but now that our total util is less than 5%, they will be getting a call if they don't auto her very soon.


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Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 19 of 20
negg
Frequent Contributor

Re: The Discover "luv" button,

I abuse my discover card for the first 6 months. Started with 1200 limit after 6 months without asking I received a letter upping my limit to 2000. 

  I always kept a 20% balance at billing. The card turns a year on April, hopefully they will mail me more love. 

 

  My problem lies with BofA been 8 months and nothing on a 500 limit.  PIF 90% of balance every month   Took part in all there "surveys". Etc etc. and nothing. Called and they wanted to do a HP. No thanks. Damn BofA and there baby limits. All my cc are 1500+. 

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.
Message 20 of 20
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