topic Re: Irritated with Discover in Credit Cards

Irritated with Discover

Anonymous — Tue, 12 Mar 2013 13:03:09 GMT

I never thought I would be irritated with Discover because they were one of the first places that gave me credit and I really enjoy using their card. Well, I called them several weeks ago and asked about when I would be eligible for a cli. I was told by a csr to call back after March 8th and ask. (6th month mark). She said they can give an increase then with just a sp for up to a certain amount. So I called today and the csr said she could not guarentee it would be a sp so I said nevermind. She then offered to let me speak with a credit analyst and I said ok. So this girl asked me all kinds of questions...income, rent, what I want an increase for...etc. I asked for to be raised from 1.5 to 3k. Then she said they could not do it at this time because of inquiries and because I have had new accounts since this one was opened.

I was fine with that and then she asked why all the inquiries and I told her I was building my credit and that I have opened most of my accounts around the same time blah, blah, blah. She then said that I must be using my other new cards because I was not using them at all. I said, No....I use your card every month and in fact just paid in full 400.00 that was still leftover from Christmas. I use that card all the time and pif two times a month so I don't know what her problem was. She then told me that sometimes they will automatically increase limits and hurried to get me off the phone. It makes me just want to sd the card because of her attitude. If you can't do the increase that's fine but she does not need to accuse me of not using the card when we can both see that I absolutely do use it. Maybe she just saw the 0 balance and assumed.

Re: Irritated with Discover

jsickz32 — Tue, 12 Mar 2013 13:16:22 GMT

Welcome to the club! I went thru the same with discover

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 13:21:08 GMT

@jsickz32 wrote:
Welcome to the club! I went thru the same with discover

So did you ever get an increase or just nothing at all? I can't believe she called me out on having a 0 balance. I thought that was a good thing. I have used the heck out of that card since I got it. I have used it less in the last few months because I had Christmas tied up on it but I have still put 150.00-200.00 on it each month and paid if off. They must be a card company that wants you to run balances and get close to your cl??

Re: Irritated with Discover

jsickz32 — Tue, 12 Mar 2013 13:26:46 GMT

Nope still at my starting limit of 1700. Last 3 months before hitting the 6th months mark i used the hell out of my card. Racked up 400 in cash back using shopdiscover. I maxed the card twice in a month and pif before the due date and nothing. Ive called 3 times and even asked for a cli with a HP but the CSR told me my account wasnt old enough to request a HP cli. Im at 8 months now and still no cli

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 13:56:52 GMT

@jsickz32 wrote:
Nope still at my starting limit of 1700. Last 3 months before hitting the 6th months mark i used the hell out of my card. Racked up 400 in cash back using shopdiscover. I maxed the card twice in a month and pif before the due date and nothing. Ive called 3 times and even asked for a cli with a HP but the CSR told me my account wasnt old enough to request a HP cli. Im at 8 months now and still no cli

They have nice csr's but they all say something different. She offfered to do a hp for me but I don't see how that would have helped at all. I don't want anymore HP's but she obviously looked at something and she was just a snot to begin with so it would have been for nothing. It's a shame too because I really like Discover but it will be hard to pull that card out of my wallet now.

I remember you closed your shell gas card right? I called them today since my 6th statement just cut and asked for an increase. The csr assured me it would be a soft pull and she took my information and said she will send it to the "credit limit increase" department and they would make a decision within 2-4 hours. That makes me a little nervous because who knows if they will hp me or not. I only asked for an increase from 600 to 1500. Do you think that was too much to ask for? They seem stingy with this Shell card.

Re: Irritated with Discover

jsickz32 — Tue, 12 Mar 2013 13:58:14 GMT

Ive never had a shell card lol

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 14:00:42 GMT

@jsickz32 wrote:
Ive never had a shell card lol

oops.....I thought you had to same gas card as me.

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 14:39:16 GMT

I had the shell and closed it I would of just asked for an even thousand...do they counter?

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 14:50:43 GMT

@Anonymous wrote:
I had the shell and closed it I would of just asked for an even thousand...do they counter?

I knew it was somebody that I talk to on here often....lol The csr said she was forwarding it to the credit limit increase department if that even exists....lol I was going to just ask for 1k but I thought I should go alittle higher since cli's with them are few and far between. She told me to call back in 2-4 hours if I wanted to but that they would send a letter to me either way. I'm not holding my breath.....I think I will end up apping for the Shell Mastercard someday and will probably get a better starting limit that way. I've had both my gas cards for 6 months and they have not increased at all and I use them both every month.

Re: Irritated with Discover

navigatethis12 — Tue, 12 Mar 2013 15:36:04 GMT

I would try again. I actually was denied for an increase online and about two weeks or so later they rang me and were offering to look into the increase manually. She didn't really ask any questions except how much income was and how long I have been at the job. She said she would do a soft inquiry on Transunion and come back to talk to me. She said she saw a lot of new accounts and asked if I realised how many inquiries I had and I told her yes and why the new accounts; she said she really liked that all of the balances were at 0. She said she saw I wasn't using the card and hoped that her increasing it by 2000 to bring it to 3000 (still low but it oh well) would make me use it more.

So I would try to get a different representative who may be more open to giving an increase.

Re: Irritated with Discover

Mellon — Tue, 12 Mar 2013 15:53:09 GMT

Interesting. I had the card (More..later PC'd to IT) since 2011 with a 1k limit. Everytime I would request it online it would say not "eligible". Last week I called the credit analyst and they asked to pull the report (knew it would be a hard pull). Credit analyst asked about 2 old CO accounts. I explained to him that they were paid and I have been current on all of my accounts since then.. he asked how much I wanted.. I said 3.5k.. he put me on hold and came back and said approved. He mentioned nothing about inquiries (this pulled made 9 on TU) my score was at least 685.

Re: Irritated with Discover

TNTransplant — Tue, 12 Mar 2013 16:58:10 GMT

So far I've had good luck with them.

Started in May 2012 with a $3000 CL - auto CLI after 3 months to $3500. At 6 mos I was declined for a CLI when I hit the LUV button, but about 1 week later they auto CLId me to $3750. Last month (9 months in), they auto CLId me to $4500. I am now planning to run about $1500/month in expenses through this card, in hopes that I will hit $5000+ by the one year mark in May.

Re: Irritated with Discover

Anonymous — Tue, 12 Mar 2013 19:02:47 GMT

I was thinking about waiting a few weeks and just talk to someone else. This girl was obviously in a foul mood and not even looking over my history. I don't like it when you get crabby csr's

Re: Irritated with Discover

09Lexie — Tue, 12 Mar 2013 19:27:41 GMT

Sorry this happened to you. I agree to wait and catch another CSR. I m sure you'll be approved for CLI

Re: Irritated with Discover

RyVision — Tue, 12 Mar 2013 19:27:53 GMT

Snow;

Don't be surprised, if you don't contact them, if in a few weeks or a month they call you and offer to speak to you about a CLI.

Sort of like what Navigate mentioned, it happened to me. I called, asked for a CLI around my 7th month and wasn't granted. About a month (IIRC) later they called me to talk about the CLI I requested and asked me what I wanted. I said 10k, rep said asked if I'd be wiling to activate auto pay (for minimum, I called late one day to make a payment after thinking I had paid it). I told them I'd be ok with that. They raised me 2k to 8500. Not the 10k I requested but better than the denial I had a month earlier. And no HP.

Re: Irritated with Discover

sarkell — Tue, 12 Mar 2013 19:37:43 GMT

I agree I think its also how much history I had a card 8 years ago with them for 5 years 5k limit. I think they also consider other factors housing payment etc other cls etc not just score.

Re: Irritated with Discover

Anonymous — Wed, 13 Mar 2013 12:33:54 GMT

@RyVision wrote:
Snow;

Don't be surprised, if you don't contact them, if in a few weeks or a month they call you and offer to speak to you about a CLI.

Sort of like what Navigate mentioned, it happened to me. I called, asked for a CLI around my 7th month and wasn't granted. About a month (IIRC) later they called me to talk about the CLI I requested and asked me what I wanted. I said 10k, rep said asked if I'd be wiling to activate auto pay (for minimum, I called late one day to make a payment after thinking I had paid it). I told them I'd be ok with that. They raised me 2k to 8500. Not the 10k I requested but better than the denial I had a month earlier. And no HP.

I will be on the lookout for them to call, hopefully. The rep did say as she was hanging up that sometimes you get an auto increase. My 6th statment cuts on the 25th of this month so maybe some sort of increase will kick in then. I hope they will do something because I really like them but they are getting left behind by bigger better cards/limits. I told her that I was about to make a large purchase and would really like to use them to take advantage of the 0% interest. That didn't matter either so the next time they check my credit and see a bigger balance on my FNBO, when they ask why the balance with them, I will tell them about yesterday's phone call and that the purchase would have been made through them but they turned me down. *lol* They won't really care but it will make me feel better!

Re: Irritated with Discover

VirusCredit13 — Wed, 13 Mar 2013 14:13:55 GMT

It really isn't a reason to be irritated with them. They have no reason to give you a CLI. Just because other companies throw them around like nothing, or other people get CLI with card doesn't mean they are obligated to give you one. If you want them to give you CLI your going to have to pay for it. Leave a small balance there always.

If you aren't spending close to your current limit, or you aren't paying any interest on your statements every month, financially you don't even need the CLI, it only is for you to improve your credit score. They as a company have no real reason to give it to you other than to "make you happy". While some CSR or anaylst might do that, others won't. If you have 15 cards, and you have zero balance on their card, they don't see any need for you to have more credit line.

Telling them that you opened new accounts recently and the inquires are because your trying to build credit, does explain/justify why you did so, but it also is going to make them infer the only reason you want the CLI is the same reason.

Re: Irritated with Discover

youngandcreditwrthy — Wed, 13 Mar 2013 14:21:23 GMT

So Discover likes balance carrying? Good thing Ive been using the heck out of it lately! Lol

Re: Irritated with Discover

VirusCredit13 — Wed, 13 Mar 2013 14:28:35 GMT

@youngandcreditwrthy wrote:
So Discover likes balance carrying? Good thing Ive been using the heck out of it lately! Lol

Non-charge card issuers in general like that, so long as you aren't carrying close to your limit. They aren't making any money on cards that are kept at zero balance and they are paying 5% cashback on purchases. If during your 0% intro APR you are carrying a balance they will assume(hope) you will follow those habits when real APR kicks in. If your keeping at 0 balance, they will assume you will follow that.

If you don't have a AF and it isn't a charge card, they want you to carry a balance.