topic Re: The Discover "luv" button, in Credit Cards

The Discover "luv" button,

randeman — Fri, 22 Feb 2013 12:22:41 GMT

On a couple of threads I have seen comments regarding a credit limit increase referred to the luv button for Discover. I assume this is the aforementioned button for requests for credit limit increases. Yet, when I click on it, I always get: Your credit limit increase request cannot be processed at this time. For assistance, please call 1-800-DISCOVER (1-800-347-2683). Is this a YMMV moment with them? I don't know if it matters that this the Escape version.

Re: The Discover "luv" button,

jsickz32 — Fri, 22 Feb 2013 12:24:19 GMT

Are you talking about the luv button under credit option drop down menu? If so i get the same. That means you dont have a cli offer via SP.

Re: The Discover "luv" button,

randeman — Fri, 22 Feb 2013 12:32:50 GMT

@jsickz32 wrote:
Are you talking about the luv button under credit option drop down menu? If so i get the same. That means you dont have a cli offer via SP.

Ah! Well, that explains it. I don't have a need for a cli, but it would help with overall utilization. Thanks!

Re: The Discover "luv" button,

Anonymous — Fri, 22 Feb 2013 13:12:13 GMT

That doesn't necessarily mean that. If you really want a CLI, you can always try the automated phone system. It won't do a HP unless you talk to a person, and you can tell the you don't want to continue if it will result in a HP.

Re: The Discover "luv" button,

jsickz32 — Fri, 22 Feb 2013 13:33:54 GMT

Ive called 3 times about it and ive been told the same thing. They will ask you about income and then say sorry no cli offer for you.

Re: The Discover "luv" button,

youngandcreditwrthy — Fri, 22 Feb 2013 13:58:46 GMT

I think it means you aren't eligible. Ive not had my account for more than 6 months yet, so my cli button is never avail :-/

Re: The Discover "luv" button,

ObeyJohnny12 — Fri, 22 Feb 2013 14:02:57 GMT

Does anyone know how to become eligible for a sp cli on Discover via the luv button? I read here people getting it after 6 months of getting the card, but mine always says the Sorry not available message and i had the card for almost a year on April. Even on the phone it isn't available because it always transfers me to a CSR. Is that a sign that our accounts will always need a hp every time for a cli?

Re: The Discover "luv" button,

youngandcreditwrthy — Fri, 22 Feb 2013 14:07:25 GMT

Gotta wait six months!

Re: The Discover "luv" button,

jsickz32 — Fri, 22 Feb 2013 14:07:44 GMT

My account is the same. Ive called and ask for a cli using a HP and they refused saying my account isnt old enough (8 months) for a HP cli.

Re: The Discover "luv" button,

ObeyJohnny12 — Fri, 22 Feb 2013 14:19:43 GMT

I wish they would tell you that before submitting it using a hp. :/

Re: The Discover "luv" button,

Anonymous — Fri, 22 Feb 2013 14:22:33 GMT

Have people had to ask Discover for CLIs? All of mine have been auto after six months at a time.

Re: The Discover "luv" button,

Anonymous — Fri, 22 Feb 2013 14:27:23 GMT

I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto.

Re: The Discover "luv" button,

jsickz32 — Fri, 22 Feb 2013 14:30:05 GMT

Im at 8 months and no love so ive stopped using my IT card.

Re: The Discover "luv" button,

ObeyJohnny12 — Fri, 22 Feb 2013 14:31:47 GMT

@Anonymous wrote:
I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto.

I had mine for 10 months and nothing, not even a auto cli. I used the card often but seeing how It's not going to grow i stopped using it.

dnRe: The Discover "luv" button,

Gunnar419 — Fri, 22 Feb 2013 14:37:56 GMT

I wouldn't conclude that a Discover card is not going to grow. It's not going to grow in predictable leaps like a GE or Amex card often does. Discover has its own mysterious, often slow, ways of doing things. I've had Discover for close to 20 years and still couldn't begin to tell you what their methods and standards for CLIs are. But still they've grown to be my highest CL. And it's an unfailingly good card with unfailingly good customer service.

Re: The Discover "luv" button,

Anonymous — Fri, 22 Feb 2013 14:41:34 GMT

@ObeyJohnny12 wrote:
@Anonymous wrote:
I get the same thing when I click on the luv button. I called them a while back they told me 6 months. I am hoping they do an auto.
I had mine for 10 months and nothing, not even a auto cli. I used the card often but seeing how It's not going to grow i stopped using it.

I have seen them do random sp's on my credit so I guess they keep watch. Hopefully they will see when my new Amex's show up and give me a cli then. I hope they do something because I really like the card but I use the higher limit cards so that IF a balance posts, it will be small compared to my cl.

Re: The Discover "luv" button,

Bay_Area_Joe — Fri, 22 Feb 2013 15:56:04 GMT

What I can tell you is that I have done the same thing and got the message to call.

I finally got the guts to call as I wanted to get another increase. I have not had my card all that long, 1.5 years.

Started at 7500, got an auto cli of 800 about 6 months after, then I tried online and by automated phone, got the call message.

When I did call on a saturday AM I got a nice guy, very very chatty, we talked about my job, what type of job, and I am self employed. Talk even about the snow conditions and skiing, about a 10 min conversation.

After review, he said you approved for 2k increase with only a soft pull, then at the end he asked if there was anything else he could do, so I asked, can you do another 1k, and he said yes, got 3k with soft, my highest CL.

I found they just want to talk to you, hear you, you being sincere, a regular person, and why you love Discover so much doesn't hurt either.

Just call, it can't hurt.

I am due to call agaiin next month, and I will be asking for another 3.2k, I want to reach the 15k barrier.

All thanks to this forum as I would never has just called and asked before getting into here.

Re: The Discover "luv" button,

randeman — Sun, 24 Feb 2013 05:43:38 GMT

@Bay_Area_Joe wrote:
What I can tell you is that I have done the same thing and got the message to call.

I finally got the guts to call as I wanted to get another increase. I have not had my card all that long, 1.5 years.

Started at 7500, got an auto cli of 800 about 6 months after, then I tried online and by automated phone, got the call message.

When I did call on a saturday AM I got a nice guy, very very chatty, we talked about my job, what type of job, and I am self employed. Talk even about the snow conditions and skiing, about a 10 min conversation.

After review, he said you approved for 2k increase with only a soft pull, then at the end he asked if there was anything else he could do, so I asked, can you do another 1k, and he said yes, got 3k with soft, my highest CL.

I found they just want to talk to you, hear you, you being sincere, a regular person, and why you love Discover so much doesn't hurt either.

Just call, it can't hurt.

I am due to call agaiin next month, and I will be asking for another 3.2k, I want to reach the 15k barrier.

All thanks to this forum as I would never has just called and asked before getting into here.

This is very interesting. As I stated (I think) I don't really need the CLi, I just wondered what all the "luv button" talk was about. I have been happy with the small increases that they have given me every quarter or so. But since I have had the card for a year now, I may be due something more substantial. Although if I do call, I hope they continue to grant the quarterly increases whatever their decision.

Re: The Discover "luv" button,

Anonymous — Sun, 24 Feb 2013 07:39:25 GMT

My wife has had her Discover card for 18 months and never once has the "luv " button done anything but the 1-800-nocli4U business.

we have never called them for a CLI but now that our total util is less than 5%, they will be getting a call if they don't auto her very soon.

Re: The Discover "luv" button,

negg — Sun, 24 Feb 2013 20:25:10 GMT

I abuse my discover card for the first 6 months. Started with 1200 limit after 6 months without asking I received a letter upping my limit to 2000.

I always kept a 20% balance at billing. The card turns a year on April, hopefully they will mail me more love.

My problem lies with BofA been 8 months and nothing on a 500 limit. PIF 90% of balance every month Took part in all there "surveys". Etc etc. and nothing. Called and they wanted to do a HP. No thanks. Damn BofA and there baby limits. All my cc are 1500+.