topic Re: disgusted with discover!!! help... in Credit Cards

disgusted with discover!!! help...

dk2003 — Sun, 06 Mar 2016 13:52:51 GMT

I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!

Re: disgusted with discover!!! help...

manyquestions — Sun, 06 Mar 2016 14:25:55 GMT

Lately Discover has been really generous with some credit profiles, yet still stingy with others. How is your Equifax credit report looking now compared to when you got the card? Have you been putting any spend on it?

Re: disgusted with discover!!! help...

redpat — Sun, 06 Mar 2016 14:59:20 GMT

First of all $500 barely got you in and they never give a cli at activation you need to wait at least 90 days or longer. Second, what are your scores and usage?

Discover has been great w/ cli, they like to see usage and PIF even with 0% offer.

Re: disgusted with discover!!! help...

trant3 — Sun, 06 Mar 2016 15:09:49 GMT

Discover does not do CLI on activation, as noted. Why get upset with discover, perhaps you should be looking at WHY they are not issuing CLIs to you.

Re: disgusted with discover!!! help...

Anonymous — Sun, 06 Mar 2016 15:15:47 GMT

well, the first issue is you're relying on other peoples' CLI success to dictate your own. that will lead nowhere but to disappointment. secondly, if you had that much of a credit issue where they barely approved you and you had to go with the $99/500 with BofA then that tells me you have plenty of blemishes on your report and shouldn't be expecting hand outs yet.

as i have stated before: this site spoils people sometimes

you need to just continue using and paying and let bygones be bygones

Re: disgusted with discover!!! help...

SouthJamaica — Fri, 13 May 2016 11:13:46 GMT

@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!

I"ve noticed that the big CLI's only go to people with high FICO8 scores (740+) on TU.

So far they've been giving me $300 CLI's at irregular intervals.

Re: disgusted with discover!!! help...

elim — Sun, 06 Mar 2016 15:51:10 GMT

I'll have to parrot the other posters.... "EQ score? Usage Payments?" These are probably the major factors in a decision by Discover. Please supply your stats so the experienced Disco holders can give advice on getting your CLI.

Re: disgusted with discover!!! help...

lg8302ch — Sun, 06 Mar 2016 15:54:05 GMT

Patience, patience, patience.... I had to wait 18 months for my first CLI with Discover. Just use your card, PIF and after each statement try for a CLI.....one day you will get there as well. Remember credit is a marathon and not a race ... so just hang in there and use the card responsibly. Do not sock drawer the card out of frustration if you expect it to grow. I would also recommend to let the balance report at least every other month. Not a constant 0 balance reporting. Hit that luv button after each statement. Good luck!

Re: disgusted with discover!!! help...

Loques — Sun, 06 Mar 2016 15:55:40 GMT

@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!

I have to agree with the previous replies: you cannot get frazzled over not getting a CLI from Discover especially based off of other people's success. This site is great at giving you advice, guidance, and a good idea of how to get there but you can't expect it to happen for you as everyone's credit file is different.

As someone said, since you had a credit file that garnered you a secured card, getting in with Discover is actually surprising. For me, I had to wait for a few years and keep applying. What I can tell you is that if you are patient, use the card responsibly, and take care of it, you will see CLIs. Also, when your credit improves you will probably see some action. For the meantime, take a load off and garden for some time - it will do you some good.

Re: disgusted with discover!!! help...

Ghoshida — Sun, 06 Mar 2016 16:25:37 GMT

@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!

What do you mean by "nothing"?

Are you waiting for an automatic CLI? Have you tried pushing the CLI button online every time it becomes avalable? On the phone?

Discover started me with $750 limit. Back then my two other cards (UFCU and Citi) were $2k. (April 2013)

They don't always give out CLIs like candy.

I had to take a HP in Nov 2013 to get my first CLI. It bumped up to $2k.

My first auto CLI was in May, on getting my 12th statement. Since then I've had some luck with SP CLIs. Now the card is at $28k. It has since overtaken Citi ($7.5k) and UFCU (still $2k, after 1 failed CLI attempt with an HP in 2013).

My only card that has a higher limit than that is my Cap One QS (started off around the same time with $500 as Plat, then credit steps to $2k, then PC, then two EO calls to bump it to $4k and then $6k, then EO upgrade to WMC, then SP CLIs to $10k. I merged my $19k Venture into that recently) which is at $29k but took me 6 HPs across the 3 CBs to get there. In contrast, Discover just needed 2 HPs - 1 at app, the other for the first CLI.

Have they asked you for an HP, and if yes, have you tried that route?

Re: disgusted with discover!!! help...

creditguy — Sun, 06 Mar 2016 16:28:33 GMT

Sorry to hear of your disgust with Discover, but there is obviously something on your reports that is holding back. Don't mean to sound disrespectful but you are more than likely the problem and not Discover.

For Discover to give you a $500 SL, you were on shaky ground to begin with, whatever caused them to be stingy at first, still sounds like it's a problem to them. You cannot compare your BofA experience and expect Discover to replicate their actions, we're talking two different banks with different underwriting standards. Are you using the card heavily? Honestly Discover likes to be your only card, so if your not using them they won't give you much love.

The other thing to consider is thier reasons for CLI denials. If they give you a reason, work on it, take a good look at your reports and work on any blemishes. Finally, if Discocer causes you too much heartache, then simply close it and move along. Discover is a great card, but there are other great cards and banks that may suit you and your needs better, life's too short to be angry. Good Luck.

Re: disgusted with discover!!! help...

Anonymous — Sun, 06 Mar 2016 18:58:44 GMT

Both my friend and I failed to get CLI after hitting the button last week. I didn't care much because because my CL is decent, but she is kind of in your situation, as she was originally approved only for $500. She's gotten two auto increases in the first few months holding the card, albeit tiny and her limit is still under $1000. Since it was over half a year after the last auto increase and she's been using the card and PIF every month, I thought she'd definitely get an increase after hitting the button. Guess what, she didn't. Mind you, both of us have very good credit, no negatives, her low limit was because she had no credit at the time. In the meantime she's gotten Freedom with a very good CL, one more reason that made me believe Discover would approve her CLI, but that didn't matter either apparently. So I don't know why some people get CLI like candy from Discover, but there are others who are probably in a better sittuation than you credit-wise, like us for example, and still get no luv from them.

Re: disgusted with discover!!! help...

bk510 — Sun, 06 Mar 2016 20:05:35 GMT

@SouthJamaica wrote:
@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!
I"ve noticed that the big CLI's only go to people with high CLI's (740+) on TU.

So far they've been giving me $300 CLI's at irregular intervals.

I have gotton 3 auto CLI's since opening 5/2014......200, 200, and 1K few months ago.(SL 1.6K)

Re: disgusted with discover!!! help...

Chris679 — Sun, 06 Mar 2016 22:24:39 GMT

Close the account, problem solved.

Re: disgusted with discover!!! help...

jacetx — Sun, 06 Mar 2016 22:25:48 GMT

@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!

Sorry that you had that experience, but as others have responded there must be something on your reports that is spooking them. When I was approved for my Discover card I got a $500 SL as well, I had a BK on my file and a collection that should not have been there. Close to the 1 year mark they increased my CL to $800 and a couple months after that $1250, and $2300 after that. Last increase I got was back in January, they doubled my CL to $4800.

Re: disgusted with discover!!! help...

red259 — Sun, 06 Mar 2016 22:58:52 GMT

If you aren't happy with Discover then close the account or don't use the card. You are not entitled to a CLI. Many have gotten CLIs from discover so that tells me the issue is your profile not them. If you really want a CLI then use the card and PIF and make sure the rest of yiour credit profile is in order. Just because one lender gives you a CLI doesnt mean all lenders are obligated to do the same. If you get declined for a CI I believe they send you a letter saying why,

Re: disgusted with discover!!! help...

hiro905 — Sun, 06 Mar 2016 23:15:03 GMT

@red259 wrote:
If you aren't happy with Discover then close the account or don't use the card. You are not entitled to a CLI. Many have gotten CLIs from discover so that tells me the issue is your profile not them. If you really want a CLI then use the card and PIF and make sure the rest of yiour credit profile is in order. Just because one lender gives you a CLI doesnt mean all lenders are obligated to do the same. If you get declined for a CI I believe they send you a letter saying why,

Completely agree. Just because other people are getting CLI does not mean you are entitled to one.

Re: disgusted with discover!!! help...

SouthJamaica — Mon, 07 Mar 2016 02:15:13 GMT

@bk510 wrote:
@SouthJamaica wrote:
@dk2003 wrote:
I've had my card for a nearly a year (april). I've requested an increase twice (sl 500) because I've seen all of the luv that everybody else has raved about. Well that has not been the vm case for me! I received a BOA 99/500 around the same time and since then, that card has auto unsecured, I've received my deposit and there was an auto cli 2000. Discover, on the other hand, has been awful.
The relationship started out bad. When I received the card I tried to recon and after several back and forth emails I was told that if I replied any more on that matter that the email would go unanswered... YES, THEY ACTUALLY TOLD ME THAT!!!! and here we are a year later and still nothing... Should I write the EO? Help!!!!
I"ve noticed that the big CLI's only go to people with high CLI's (740+) on TU.

So far they've been giving me $300 CLI's at irregular intervals.
I have gotton 3 auto CLI's since opening 5/2014......200, 200, and 1K few months ago.(SL 1.6K)

LOL. I think you're the first person I've heard of who got CLI's even lower than mine But yours were auto CLI's... I haven't gotten a single one of those I had to ask nicely for each of mine

Re: disgusted with discover!!! help...

dk2003 — Mon, 07 Mar 2016 05:20:58 GMT

Oh my... I am ALMOST overwhelmed by the responses... perhaps I was not clear here.

I am completely aware that Discover is not obligated to do anything. There was a time that I wasn't able to get any cards, not because I had bad credit but because I had none. I have some 45k in available credit and THIS card just happens to be my lowest. With BOA, I had a previous relationship with them that ended badly, and I was a part of the class action law suit.

My profile.....
I generally carry action balance, and either PIF or pay half of it and then the other half before the next statement. As of late that has not been the case, I've carried a balance on all cards and will have them all paid within 2 months.
I did have several derogs, on EQ, that have since all been deleted. In fact, I didn't even know what they were and disputed several times. As of a few days ago, EQ is clean.

Oldest line 10 years

As far as increase upon opening... The information in THIS post is incorrect. My mom received an increase as soon as her card was activated

Unfortunately, my experience has not been all bubbles and flowers as many others have been, namely the ones that regularly receive increases. There has been minimal use on the card utility recently (2 months) so perhaps things will change. If not, I have no reason to close the card other than the low limit. It will just become one that is used just to keep them from closing it! Thanks for the input

Re: disgusted with discover!!! help...

Anonymous — Mon, 07 Mar 2016 07:47:26 GMT

dk, You do not need to apologize. People seem to get a little snippy in their responses to these sorts of questions. It is very easy to forget that most of us have been in similar situations at some point in our journey. It is also easy to forget that many of the regular contributors on this board have used this forum to blow off some steam when frustrated by credit issues.We should be more understanding when others do the same!

You absolutely do not need to close the account down, unless you are simply tired of dealing with it.

Now, it has long been noted on here that Discover's SL and CLI behavior is harder to predict than most. It has also long been noted that there seems to be a different response to certain customers (i.e. those given a $500 SL). Many have reported that it is like pulling teeth to move from this initial limit. Still, time and patience will win the day. So don't get discouraged...just stay the course!