topic Re: Discover CLI request denied via CSR, recon HUGE SUCCESS! in Credit Cards

Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Mon, 19 Nov 2012 08:38:00 GMT

I got my Discover More card December 25, 2011 at a 1k limit, then I got bumped to $1,350 after 3 months and $1,700 after 6. I stopped getting the increases and began to wonder. I called a month ago and the CSR said I was enrolled in some auto review program and that I should be reviewed anytime. Well a month later I still had not received my next bump. I called Friday when I noticed my CLI request link would not work, then the automated phone line increase never appeared as an option for me. The nice CSR said she was unsure why and I explained I wanted to get an increase with no hard pull. After about 5 minutes on hold (CSR to Supervisor chat) she said we could go through the process and it would tell her if it was a hard pull or not, it was not and I got a firm DENIED...sorry you will receive a letter.

I got the recon # of the forum Saturday morning and called. The gentlemen in Utah was very nice and he confirmed the inquiry the day before was a soft pull and listed the reasons for denial. I gave him blow by blow of what would show on a hard pull and he said that it seemed reasonable to be able to get an increase if I did a hard pull, so I agreed. A few minutes later he was able to explain the actual cause for the denial and we discussed it and he asked what I was looking for, I said $3,000 total CL, he said that would not work, instead $5,700 would!!!!!!!!!!!!! I hit the floor, he gave me an increase of $4k on the recon with a 660 FICO.

Background with my Discover, I have put on average $1,300 a month through the card and PIF before cycle ends each month.

I have a forclosure 3 years old, a "collection" from AMEX of $0, which was the reason for denial, 3 accounts with multiple 30 day lates, 2 of them have several 60+ lates, but all deliquincies are 2+ years old.

$30k Capital One ---AU

$11k Citi Simplicty -- AU

$1.6k Amex Delta Platinum

$5.7k Discover

Prior to CLI I had a 14% util

Gotta love my Discover!!!!!!!!!!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

distantarray — Mon, 19 Nov 2012 09:25:10 GMT

I love how usual CSR's are a waste of time generally =)

Recon specialists or underwritters are the way to go!

I think this helps weed out bad people more, cause if you do the research to find a better number, then people usually need the increase =)

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

score_building — Mon, 19 Nov 2012 09:27:02 GMT

Awesome recon results! Nicely done

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Mon, 19 Nov 2012 09:49:04 GMT

I like dat!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

beb86 — Mon, 19 Nov 2012 16:32:59 GMT

Wow that's huge

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Mon, 19 Nov 2012 17:44:44 GMT

Congrats

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Epcot — Tue, 20 Nov 2012 03:16:01 GMT

Nice recon, that's great!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Tue, 20 Nov 2012 03:20:38 GMT

well-played, congrats

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

gettnthere — Tue, 20 Nov 2012 03:23:52 GMT

Very nice Increase!Congrats!!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

gettnthere — Tue, 20 Nov 2012 03:28:38 GMT

Very nice increase!Congrats!!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

nicholasyud — Tue, 20 Nov 2012 03:37:27 GMT

Congratulation....That's very nice increase.

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

wallyworld123 — Tue, 20 Nov 2012 03:51:22 GMT

Congrats on the increase way to go!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

cardslayer — Tue, 20 Nov 2012 07:33:29 GMT

Awesome outcome. I started out at $2k about 5mo ago and have not seen any CLI. I average $800/mo and always PIF'd. My scores are just a smidge north of OP's (latest Amex EXP shows 686, and TU is sitting at 712 from 3 mo ago). I'm hoping I see something next month as I get past my 6th statement. Thanks to OP I know that I should just call in and see what's up if I don't get some kind of action next month. Congrats OP!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Tue, 20 Nov 2012 20:14:53 GMT

Definitely try the automated process first, if you get the credit department and speak to a person you more than likely will have a hard pull. They are very generous though and have the best customer service. Best of luck.

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

webhopper — Tue, 20 Nov 2012 20:17:58 GMT

That is an amazing recon experience I'm glad they were able to give you a nice CLI over the phone, even though it cost a HP, seems like it was well worth it!

I love Discover Customer Service... Very nice

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Tue, 20 Nov 2012 20:21:38 GMT

Update: Amex is now at $4.8k! After 8 denials for an increase over the past two years, I achieved succes with the automated system last night. I originally had a $3k limit on the card when it was issued in 2007, late 2008 (credit crisis) they dropped me to $1,600 and I have been trying to get it up ever since.
Do I have to wait 60 days or 6 months before I can request another increase with Amex? Thanks!

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

Anonymous — Tue, 20 Nov 2012 20:22:50 GMT

@webhopper wrote:
That is an amazing recon experience I'm glad they were able to give you a nice CLI over the phone, even though it cost a HP, seems like it was well worth it!

I love Discover Customer Service... Very nice

It was well worth it, they pulled TU which had no inquiries on it. My EQ had 3.