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why does Discover ask you if that's enough cred

Established Contributor

why does Discover ask you if that's enough cred

When I app'd for my more card the csr told me congrats your limit is 1k, is that enough? Now after reading posts on here I realize Discover doesn't overturn opening CL's.  Sooo really why ask?? umm I dun get it...

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 1 of 9
8 REPLIES
Established Contributor

Re: why does Discover ask you if that's enough cred

Lol I know right.  They asked me too and I was like, "not really".  She said, well there is nothing I can do but you should call back in 6 months.  At the time I was thinking, then why did you just ask me?  They raised me to 5k with a soft pull after 1 year.  Discover is still good with me.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 2 of 9
Established Contributor

Re: why does Discover ask you if that's enough cred

I know right!  why ask a dead end ?!!! it's like playing with peoples emotions.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 3 of 9
Established Contributor

Re: why does Discover ask you if that's enough cred

Maybe it's some sick statistic they keep to see if the computer decision satisfied the consumer or not. The CSR marks Yes or No and then laughs at your small CL.  lol JK

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 4 of 9
Moderator Emeritus

Re: why does Discover ask you if that's enough cred


flowfaster wrote:

Maybe it's some sick statistic they keep to see if the computer decision satisfied the consumer or not. The CSR marks Yes or No and then laughs at your small CL.  lol JK


LOL!  OK... made me laugh!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 9
Established Contributor

Re: why does Discover ask you if that's enough cred

LMAOyou might be on to something J.K.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 6 of 9
Mega Contributor

Re: why does Discover ask you if that's enough cred


migliogiorni wrote:

I know right!  why ask a dead end ?!!! it's like playing with peoples emotions.

 


 

Smiley Very Happy

 

Yup, they've played with mine enough lately.




EQ FICO 548 3/3/16
Message 7 of 9
Valued Contributor

Re: why does Discover ask you if that's enough cred


flowfaster wrote:

Maybe it's some sick statistic they keep to see if the computer decision satisfied the consumer or not. The CSR marks Yes or No and then laughs at your small CL.  lol JK


Or just bad scripting? But haha you might be onto something

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 8 of 9
Valued Contributor

Re: why does Discover ask you if that's enough cred

Probably just being polite, like when they ask if it is alright if they put you  on hold. Maybe they can transfer you to a credit analyst if you say no.

Message 9 of 9