topic Re: Very Very Upset with discover. in Credit Cards

Very Very Upset with discover.

Anonymous — Tue, 17 Apr 2012 21:26:40 GMT

So after 4 long years waiting for a discover CLI i got one on the 14th, heres the topic if anyone wants to know:

http://ficoforums.myfico.com/t5/Credit-Cards/After-4-Years-A-Discover-CLI/m-p/1351031

Anyway, she told me that the inquiry would be a soft hit, thats the only reason i didnt close the account.

Fast forward to today, i check my report, hard inquiry by discover... GRRRRRRRR

i already spoke to a supervisor from discover he said he'd have to listen to the phone call, and i KNOW she said it was a soft inq....

has anyone had any experiences dealignw ith this kinda stuff?

Re: Very Very Upset with discover.

LS2982 — Tue, 17 Apr 2012 21:28:28 GMT

@Anonymous wrote:
So after 4 long years waiting for a discover CLI i got one on the 14th, heres the topic if anyone wants to know:

http://ficoforums.myfico.com/t5/Credit-Cards/After-4-Years-A-Discover-CLI/m-p/1351031

Anyway, she told me that the inquiry would be a soft hit, thats the only reason i didnt close the account.

Fast forward to today, i check my report, hard inquiry by discover... GRRRRRRRR

i already spoke to a supervisor from discover he said he'd have to listen to the phone call, and i KNOW she said it was a soft inq....

has anyone had any experiences dealignw ith this kinda stuff?

Well if thats what was said you should be fine after they review the call.

Re: Very Very Upset with discover.

Anonymous — Tue, 17 Apr 2012 22:09:12 GMT

Seems like a bit of an over-reaction to be "very very.... upset" when you asked for more credit and you got it. It's an inquiry and they have every right. Not every CSR is an A+ student, but neither is every consumer. Just be happy you got your CLI and move on. If you're lucky, they'll find the tape of the call and maybe even reverse it, but it's nothing to have a heart attack over.

Congrats on the CLI.

Re: Very Very Upset with discover.

Anonymous — Tue, 17 Apr 2012 22:27:17 GMT

I second that. I'd be upset if I didn't get the cli. Congrats on the cli

Re: Very Very Upset with discover.

TeeandDee — Tue, 17 Apr 2012 22:58:18 GMT

Congrats on the CLI! I understand why you would be upset about the Hard Pull.....especially if you already have a lot of them and wanted to avoid adding to them.

Re: Very Very Upset with discover.

SwiftTone — Wed, 18 Apr 2012 00:22:50 GMT

I had pretty much the same thing happen to me with Chase.

They did end up checking the phone recordings, and ultimately "remasked" it as a SP. I don't think you have anything to worry about. My issue took 2 days to take care of.

Re: Very Very Upset with discover.

pizzadude — Wed, 18 Apr 2012 00:39:59 GMT

Most CSRs are knowledgeable about credit topics, or they might be misinformed. Any time you ask for a CLI you should expect that there is a possiblity of getting a HP regardless of what the CSR tells you.

Re: Very Very Upset with discover.

clocktick — Wed, 18 Apr 2012 02:18:37 GMT

@Anonymous wrote:

has anyone had any experiences dealignw ith this kinda stuff?

Yes, it seems to happen somewhat often. "The rep at ________ bank said it would be a SP and it was a HP!" The reps do not always know the difference or what it will be.

@pizzadude wrote:

Most CSRs are knowledgeable about credit topics, or they might be misinformed. Any time you ask for a CLI you should expect that there is a possiblity of getting a HP regardless of what the CSR tells you.

Exactly. I just assume it's a HP and if it's not, I'm pleasantly surprised!

Re: Very Very Upset with discover.

Revelate — Wed, 18 Apr 2012 02:37:52 GMT

Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

Re: Very Very Upset with discover.

minimock — Wed, 18 Apr 2012 07:14:11 GMT

Two words. FROZEN REPORTS.

If your not looking for new credit, just CLI.

I had the same thing happen with BOA, they wanted me to unfreeze my reports for CLI, said no thanks, only interested in soft pull CLI.

Re: Very Very Upset with discover.

LS2982 — Wed, 18 Apr 2012 09:31:56 GMT

@minimock wrote:
Two words. FROZEN REPORTS.

If your not looking for new credit, just CLI.

I had the same thing happen with BOA, they wanted me to unfreeze my reports for CLI, said no thanks, only interested in soft pull CLI.

Totally agree!!!!!

Re: Very Very Upset with discover.

Anonymous — Wed, 18 Apr 2012 16:12:29 GMT

@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

Re: Very Very Upset with discover.

webhopper — Wed, 18 Apr 2012 16:13:51 GMT

@Anonymous wrote:
@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

We are definately the outliers... my fiance thinks I'm a weirdo and that I worry too much about it!

Re: Very Very Upset with discover.

Anonymous — Wed, 18 Apr 2012 16:15:44 GMT

@webhopper wrote:
@Anonymous wrote:
@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

We are definately the outliers... my fiance thinks I'm a weirdo and that I worry too much about it!

I am part of that club too, mine wonders why I cant just pay with cash...LOL

Re: Very Very Upset with discover.

webhopper — Wed, 18 Apr 2012 16:18:01 GMT

@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

We are definately the outliers... my fiance thinks I'm a weirdo and that I worry too much about it!
I am part of that club too, mine wonders why I cant just pay with cash...LOL

Mine started asking me what to pay with LOL.... I'm like American Express!

Re: Very Very Upset with discover.

h4ldol — Wed, 18 Apr 2012 18:08:52 GMT

It is upsetting, and I hope that the OP gets the HP off his CR. But it does seem to be one of the inherent 'risks' of requesting CLI (online or with a CSR), especially with certain banks like Discover.

Re: Very Very Upset with discover.

Anonymous — Wed, 18 Apr 2012 18:13:27 GMT

@webhopper wrote:
@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

We are definately the outliers... my fiance thinks I'm a weirdo and that I worry too much about it!
I am part of that club too, mine wonders why I cant just pay with cash...LOL
Mine started asking me what to pay with LOL.... I'm like American Express!

My DH does that!

"Which card should I use for this?"

Re: Very Very Upset with discover.

webhopper — Wed, 18 Apr 2012 18:23:04 GMT

Mine started asking me what to pay with LOL.... I'm like American Express!

My DH does that!

"Which card should I use for this?"

Mine didn't understand why I got 3 new cards until we had to do major septic repairs and didn't have to worry about having to wait til we had the money. Its nice to have access to 4k without haveing to worry about coming close to maxing out. Also, he wasn't on board with discontinuing use of the debit card until I showed him the great new Sony Iphone docking station with speakers and alarm clock all built in. He kind of understood why I wanted to use American Express now...

Also, neither one of us have paid an OD fee since we activated the Amex. Prior to cash flowing with Amex, it wasn't uncommon for us to OD on accident. Its not that we didn't have enough money coming in, it was the timing of deposits vs debits for things like gas, food, etc. especially when they started doing the $1 authorization for gas even though the actual gas purchase may have been 75 bucks. Being able to pay these things once a month from the checking account is so much better for our cash flow management

Re: Very Very Upset with discover.

Anonymous — Thu, 26 Apr 2012 13:28:18 GMT

still havent even gotten a response...

Re: Very Very Upset with discover.

crunching_numbers — Thu, 26 Apr 2012 13:35:50 GMT

@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
@Revelate wrote:
Not certain why people get so upset about this: you are increasing your credit lines, which is no different than applying for a new one. Realistically all CLI's should be HP's, but for some reason we've all been spoiled by Amex and others I suppose.... but again this is a third-standard deviation population we're dealing with in terms of credit behavior.

Anyway to the OP, congrats on the CLI, and perhaps you'll get it switched to a SP if they have the recording and they're feeling nice about it (it's not mandatory they do so AFAIK).

I don't know whether to be honored or disturbed by being included in this group.

We are definately the outliers... my fiance thinks I'm a weirdo and that I worry too much about it!
I am part of that club too, mine wonders why I cant just pay with cash...LOL
Mine started asking me what to pay with LOL.... I'm like American Express!

My DH does that!

"Which card should I use for this?"

Mine too! It would be so much easier if I didn't keep changing the rules every 3 months on him. Restaurants go on Discover. No now they go on Freedom. Wait.. change that... now use Amex Gold.

And then, he'll go to Walmart, and I'll be like "What did you pay with? The Walmart card is closing today. OMG! I need to jump on the internet and pay what you just charged. He thinks I am making this harder than it has to be. LOL Where in the world would he get an idea like that???