topic Re: Discover Unsecured/Secured In System CLI Question in Credit Cards

Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 12:57:56 GMT

Anyone have any luck getting a CLi yet for those who have had issues with your unsecured card still acting or showing as a secured card in their system? Last I heard the end of the month it was going to be fixed. Just wondering if anyone tried recently and can confirm if it is indeed fixed?

Thx

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 14:45:33 GMT

I have a post about this too. I was told that the system should be fixed on or before the 29th of this month. I'm going to try around the first week if April.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 15:48:04 GMT

I was going to try on my Statement date which is the 4th unless someone else has found out it worked by now. My cli page went back to the normal request one finally. It was stuck on the 2 day message for weeks.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 16:20:06 GMT

I orginially thought it was something I did...I got the dreaded "BANK INFORMATION NOT RECIEVED" letter more than once. I am going to try again on Friday. I have also heard the rumor that it will be fixed on the 29th.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 16:46:35 GMT

Please keep this thread updated. There are like 5 going around but if we can keep this one as one for if and when it is fixed and people who try and get the letter that would be great.

I'm gonna app for a second Disco card and combine if it doesn't get fixed by next month.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 17:09:02 GMT

@Anonymous wrote:
Please keep this thread updated. There are like 5 going around but if we can keep this one as one for if and when it is fixed and people who try and get the letter that would be great.

I'm gonna app for a second Disco card and combine if it doesn't get fixed by next month.

People got mad at me for saying this but, if still nothing changes I will cancel my card. Nothing to do with a $200 limit card that won't grow.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 17:17:12 GMT

Don't take it personally-people get mad at things I say all the time. For some reason people on forums seem to think that what they personally think and feel is what everyone should.
I say if it doesn't work for you-do what you think is best. The exception to that is if you are a newbie and don't understand credit scoring and rebuilding-but even then I try to just recommend and always try to remember writing text or posts or emails-people can't hear your tone-so wear kid gloves and treat everyone kindly.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 17:56:40 GMT

@Anonymous wrote:
Don't take it personally-people get mad at things I say all the time. For some reason people on forums seem to think that what they personally think and feel is what everyone should.
I say if it doesn't work for you-do what you think is best. The exception to that is if you are a newbie and don't understand credit scoring and rebuilding-but even then I try to just recommend and always try to remember writing text or posts or emails-people can't hear your tone-so wear kid gloves and treat everyone kindly.

Agree with you - I was recently approved for $3k chase freedom - so you can see why I'm skeptical with discover lately.

I don't think everyone understands the mysterious FICO perfectly - but that is the beauty behind the mystery. :-)

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 18:21:35 GMT

Leezzy,

I'm not sure what your overall profile looks like but having that card open for the time may be a good thing for you. You don't have to use it and it doesn't have an AF so...if your aaoa is fine without it chuck it. If, however, that is one of your card open for a good amount of time, it will hurt your credit profile to close it. Just some food for thought!

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Tue, 28 Mar 2017 19:18:09 GMT

@rmm140 wrote:
Leezzy,

I'm not sure what your overall profile looks like but having that card open for the time may be a good thing for you. You don't have to use it and it doesn't have an AF so...if your aaoa is fine without it chuck it. If, however, that is one of your card open for a good amount of time, it will hurt your credit profile to close it. Just some food for thought!

Agree - Easier to let them close it for me not using it...then me wasting my time calling them. Thanks for the good idea.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 00:57:47 GMT

AAOA counts no matter if the card is open or closed. Doesn't matter! Big bad misconception from a few people on here. Cards count the same if they are Open or closed. That being said... if the card you are wanting to close is your oldest card then once that card gets to age 10 years... it will fall off and your next oldest becomes your oldest... so if there is a big difference between your oldest and second oldest that would be the only time it really could affect you.

Re: Discover Unsecured/Secured In System CLI Question

MyLoFICO — Wed, 29 Mar 2017 01:14:10 GMT

I got a different result! I think it's fixed!

LOL!!!

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 01:16:49 GMT

Mine still says 2 day review. I tried chatting 3 times and they had no idea what I was referring to. I will just wait. I'm in no hurry.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 01:38:51 GMT

MyLo.... Jesus. You have got to be kidding me. Thx for updating this tho. Haha.

Breezy.... that happened to me too when I was on chat... I had to basically explain it to them and even then it took multiple attempts of me not giving up. It was a waste of time-you have the right idea to wait. I was told finally "it's fixed" and it wasn't. That was after a LONG conversation.

Re: Discover Unsecured/Secured In System CLI Question

MyLoFICO — Wed, 29 Mar 2017 01:41:50 GMT

@Anonymous wrote:
MyLo.... Jesus. You have got to be kidding me. Thx for updating this tho. Haha.

Breezy.... that happened to me too when I was on chat... I had to basically explain it to them and even then it took multiple attempts of me not giving up. It was a waste of time-you have the right idea to wait. I was told finally "it's fixed" and it wasn't. That was after a LONG conversation.

Hahaha!! I have to keep my sense of humor or I will cry.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 02:28:16 GMT

@MyLoFICO wrote:
I got a different result! I think it's fixed!

LOL!!!

So do you need to send your deposit back??? lol

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 02:33:41 GMT

Lol@leezy. Right!!! That would be hysterical if anyone had the money to actually do that.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 03:46:59 GMT

Well the credit limit increase screen no longer says 2 weeks. Lol

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 04:10:51 GMT

@Anonymous wrote:
Well the credit limit increase screen no longer says 2 weeks. Lol

I'm not chancing it - I'll press the button friday...since today is the alleged "fix" date. Either fix the problem...or at least admit there is one! Haha.

Re: Discover Unsecured/Secured In System CLI Question

Anonymous — Wed, 29 Mar 2017 05:48:22 GMT

Lol@breezy.

C'mon y'all... someone needs to try today. Lol. Tho I, too, am nervous because it freezes on that **bleep** 2 day screeen if it isn't.