topic Re: Suprise Call from Discover in Credit Cards

Suprise Call from Discover

OhMyCredit — Thu, 28 Jun 2012 17:42:54 GMT

I just got a call from a a strange 800 number so I quickly went to Google and discovered it was from Discover. The person, I assume a credit analyst, on the other end said they saw their system had declined me for a cli last month and they wanted to ask some questions to see if I could be granted the increase I requested. He asked about some paid charge offs on my report and about a collection from Bally's. I answered honestly. He then asked how much of an increase I wanted and I experienced an unusal occurence of not knowing what to say. He said $2500 and I said sure. My previous limit was $1300 where its been since 2004!

Re: Suprise Call from Discover

TNTransplant — Thu, 28 Jun 2012 18:22:44 GMT

Congratulations on your increased CL! I've read several threads that referenced Discover reps calling back to see how they could help, which I think is great.

I've only had one "live person" interaction with them (when I activated my card), and the rep was very nice/friendly.

Re: Suprise Call from Discover

webhopper — Thu, 28 Jun 2012 18:27:38 GMT

@TNTransplant wrote:
Congratulations on your increased CL! I've read several threads that referenced Discover reps calling back to see how they could help, which I think is great.

I've only had one "live person" interaction with them (when I activated my card), and the rep was very nice/friendly.

I hope they call me cause I was denied for a CLI. Their system could not pull my report because it was frozen. I called just to see if I could get a small increase using a SP

Re: Suprise Call from Discover

Anonymous — Thu, 28 Jun 2012 18:40:39 GMT

Discover for me personally has been more on the low end of CLs..

But I think they have some of the best customer service out there hands down and I LOVE that they are US based.. (proud military wife too)

Re: Suprise Call from Discover

Repo-ed — Thu, 28 Jun 2012 19:37:23 GMT

Nice increase, grats

Re: Suprise Call from Discover

my25reasons — Thu, 28 Jun 2012 20:05:48 GMT

Discover is my favorite, hands down. The reps are knowledgeable and friendly, they are quick to assist with fraudulent charges and they are reasonable with their lending. LOVE them.

Re: Suprise Call from Discover

SoulMaster — Thu, 28 Jun 2012 20:22:00 GMT

Garrrh! Now I'm bummed! I too got a call from one of the Disco 800#s ealier today, but couldn't answer it because I was on the other line @ work. They didn't leave a voicemail. I googled the # and found out it was Disco, So I called 1800DISCOVER to see what was up. They didn't know.

I also was decliend about a month ago for a CLI, so I'd guess that's what this call was about. Miffed I missed it, and hope they call back.

Now, back to work.

-SM

Re: Suprise Call from Discover

Anonymous — Thu, 28 Jun 2012 20:30:11 GMT

That is AWESOME!!!! I just got a Discover CC and I have only heard great things. Thanks for sharing your experience!!

Re: Suprise Call from Discover

OhMyCredit — Thu, 28 Jun 2012 20:54:37 GMT

Thank you all! I love Discover as well. They worked with me when I had a financial crisis and didn't CLD me or close my accout like all my other creditors did. I've had the account since 2001 and, besides my student loans, its my oldest account.

Re: Suprise Call from Discover

LS2982 — Thu, 28 Jun 2012 21:56:26 GMT

OMG.....

I thought I might have sicked the tourettes guy on Discover on accident yesterday, I hate these telemarketers calling my house!!! (It wasn't them!)

Re: Suprise Call from Discover

n777ua — Thu, 28 Jun 2012 23:23:10 GMT

@SoulMaster wrote:
@Garrrh! Now I'm bummed! I too got a call from one of the Disco 800#s ealier today, but couldn't answer it because I was on the other line @ work. They didn't leave a voicemail. I googled the # and found out it was Disco, So I called 1800DISCOVER to see what was up. They didn't know.

I also was decliend about a month ago for a CLI, so I'd guess that's what this call was about. Miffed I missed it, and hope they call back.

Now, back to work.

-SM

Just call the 800 number on your caller ID, you'll skip the front line CSR's and get to the credit department . . . at least that's the experience I've had in the past.

Re: Suprise Call from Discover

SoulMaster — Mon, 02 Jul 2012 21:26:25 GMT

@n777ua wrote:
Just call the 800 number on your caller ID, you'll skip the front line CSR's and get to the credit department . . . at least that's the experience I've had in the past.

I did that... they had no clue why I was calling...

BUT... They called me back today!

When I originally called for the CLI, I had reqested $300 which was declined. No big deal, I was calling for the bump to fit a plane ticket on, which I wound up charging to my Signature. (My CL was $1000, the plane ticket was 800, but I already had $300 on the card).

Any how, they called last week but didn't leave a message, I called back but they had no clue why I was called.

They called again today, I answered a few questions and Ba ba da da! $1500 increase to $2500 total CLI!

I've had the card for 6 months, still have my BK and a nasty Tax Lien. What's funny is that the first question they asked was, "do you still need an increase?"

"No", I said. "I wanted it to charge a plane ticket to my Discover, but wound up putting it on my Visa Signature. But if you'd like to review it without a hard pull, then maybe I can use your card next time". HA!

My wallet now:

NFCU Flagship Signature Visa:$5000/$49af

Discover More:$2500/$0af

Barclays Apple Visa:$1300/$0af

Cap1 NH Cash Rewards$1250/39af

+ $5000 NAVCheck LoC. = $15,050 Total Availible Credit

19mo Post BK. My eq FICO should crest 680 as soon as my cards reflect the correct balances of $0 (within the next 3 days). Woot!

-SM

Re: Suprise Call from Discover

Anonymous — Mon, 02 Jul 2012 21:45:13 GMT

Wow. That's great!

I wish they'd call me and ask if I still want the card