topic Re: Discover CLI Magic in Credit Cards

Discover CLI Magic

newUser0 — Sat, 28 Dec 2013 23:23:58 GMT

I had discover card with CL$1000 for around 1 Y, 4 Months.

Last week I called the customer care for a CLI and he said system declined my CLI request and you will get a reasons in letter mailed to you.

I got the letter just now and it says -

Unfortunately, we are unable to approve your request at this time for following reasons :-

[JUST BLANK]

There is NOT single reason.On the next Page it says, they used TU and my FICO score is 727 with the range 300-850.

Is my score that bad to get a CLI?

Had any one else faced the same issue?

Re: Discover CLI Magic

juggalo9er — Sat, 28 Dec 2013 23:26:33 GMT

really sorry for the denial but the reason is absolutely hilarious. I honestly have always believed they had to have a reason for denial, maybe it was a typo?

Re: Discover CLI Magic

newUser0 — Sat, 28 Dec 2013 23:38:09 GMT

May be.

I donno what to do now.

Re: Discover CLI Magic

Anonymous — Sat, 28 Dec 2013 23:52:02 GMT

Call them - Maybe even scan it and send it through their message system. If you call, you might just get a great rep who will give you a CLI just because of the ridiculousness of this whole thing. When I got my first CLI from Discover - the rep was a bit bothered by what I told him the last rep had said to me when I called in. It was clear that he wanted to give me a CLI - in part - as a way to apologize for the poor treatment I received.

@juggalo9er wrote:
really sorry for the denial but the reason is absolutely hilarious. I honestly have always believed they had to have a reason for denial, maybe it was a typo?

Re: Discover CLI Magic

coldnmn — Sat, 28 Dec 2013 23:52:43 GMT

Someone else posted the same thing not long ago. Sorry to hear you didn't get the CLI.

Re: Discover CLI Magic

newUser0 — Sun, 29 Dec 2013 00:00:19 GMT

Thanks guys for the suggestion.

I will call them on Monday. Also to add I had PIF, every time since I had this card.

Many of my friends got a good CLI about $2000 from discover and they suggested me to call the customer care. So, I called them for the FIRST time after being a customer for 1Y,4M. To my surprise I think I got a bad Cust Rep. He was NOT interested in talking much about CLI and used to ask what else Can I do for you sir? . I just told that I want a CLI that matches with my other cards atleast for $1000 more that would bring my CL to $2000 Atleast.

He said, it was declined and he cannot say the reasons and it will be mailed in a letter.

I did not gave a good feed back for him. I really don't see there is any reasons for discover to NOT to give me a CLI. But any way I plan to join "discover hates me club" soon.

Re: Discover CLI Magic

HeilFico — Sun, 29 Dec 2013 00:03:49 GMT

newUser0, did you speak to someone in the underwriting/credit department? Customer service should have transferred you over. I see no reason not to give the cli. I went from $1500 to 6k after 5-6mos of usage. It was a hp, but they did approve it. Seems to me there were computer issues with your cl increase request.

Re: Discover CLI Magic

newUser0 — Sun, 29 Dec 2013 00:06:30 GMT

No, Initially I just called the number on back of card. And the Cust Rep did not transferred to any one else.

He did all the request by himself.

Probably, I will call once there office is open on Monday .

Re: Discover CLI Magic

coldnmn — Sun, 29 Dec 2013 00:14:10 GMT

I looked up the other post it said no explanation needed not eligible for a soft pull CLI. I don't know if you tried for a soft pull CLI just thought I would share!

Re: Discover CLI Magic

newUser0 — Sun, 29 Dec 2013 00:16:49 GMT

I told cust rep to go ahead only if it's a SP.

He said it is SP for sure.

I currently don't have any accounts with CB to see the alert. So I am not sure it really is HP or SP.

Re: Discover CLI Magic

coldnmn — Sun, 29 Dec 2013 00:23:26 GMT

That's probably why your reason was blank. Do a search on here Discover CLI denial then select last 30 days. That's how I found the other post. I know I had to do a HP for CLI. I'm sure that yours was soft they have to ask your permision. That post was from 12/20/2013

Re: Discover CLI Magic

Themanwhocan — Sun, 29 Dec 2013 00:43:38 GMT

I've never qualified for a SP CLI from Discover either. If I left it at that, I'd still have my $2000 limit instead of $5000. Sure, I took 2 HP (at 6 months, and at 10 months) but using a HP isn't the big deal that some people make it out to be. they usually don't affect your FICO scores all that much, and after a year they dont affect your FICO scores at all.

Re: Discover CLI Magic

coldnmn — Sun, 29 Dec 2013 00:50:58 GMT

@Themanwhocan wrote:
I've never qualified for a SP CLI from Discover either. If I left it at that, I'd still have my $2000 limit instead of $5000. Sure, I took 2 HP (at 6 months, and at 10 months) but using a HP isn't the big deal that some people make it out to be. they usually don't affect your FICO scores all that much, and after a year they dont affect your FICO scores at all.

+1 I felt it was worth a HP for the great customer service. I did get mine to $2500 with a SP a year or so ago. My Fico scores are already back to where they were after the HP. I asked for mine about 2 months ago. I also got my Sams card about a month before that.

Re: Discover CLI Magic

FinStar — Sun, 29 Dec 2013 18:41:14 GMT

@newUser0 wrote:
I told cust rep to go ahead only if it's a SP.
He said it is SP for sure.

I currently don't have any accounts with CB to see the alert. So I am not sure it really is HP or SP.

Contact them on Monday and see if you can be routed to an analyst, it will likely will be HP unless you don't want to go this route. Perhaps the analyst can provide some guidance as to why the reason(s) were left blank or "null".

Re: Discover CLI Magic

heyitsyeh — Mon, 30 Dec 2013 07:08:05 GMT

On the website, just put a number higher than what you want and a credit analyst will call you no later than a few days, asking you why you want the increase and what they will offer short of a HP. I did this going from $6k to $10.5k last week by putting in $18k as my desired increase online.

Now Discover is my highest CL card

Re: Discover CLI Magic

Anonymous — Mon, 30 Dec 2013 14:47:28 GMT

@heyitsyeh wrote:
On the website, just put a number higher than what you want and a credit analyst will call you no later than a few days, asking you why you want the increase and what they will offer short of a HP. I did this going from $6k to $10.5k last week by putting in $18k as my desired increase online.

Now Discover is my highest CL card

Not everyone gets the option to request it online though. It asks me to call the 1800 number (without even me entering anything).

Btw, if we request a CLI through HP (over the phone), does Discover counter? I'm afraid of requesting a number that's too high and them rejecting me outright.

Re: Discover CLI Magic

amakol — Mon, 30 Dec 2013 23:07:45 GMT

Yes, Discover counters. I asked for a HP to $4K over the phone 7 months ago and the rep told me she could only go to $3750. That's my limit now.

Re: Discover CLI Magic

audia4 — Tue, 31 Dec 2013 07:15:22 GMT

The same exact thing happened to me with my Walmart Discover. When I ask for a CLI I was denied and told that I would get a letter within 10 days saying why. I tried calling them and pretty much got a rep that didn't want to discuss it and pretty much told me that it had been denied and they couldn't do anything about it and I would be receiving my 10 day letter. When I received the letter, the reason was blank. I got fed up and just left it be.

I had started with an $800 limit when I was first approved. 3-4 months later THEY increased my limit to $1800 without me asking. It had been another 4 months and that's when I ask and was denied.

So this month I went online and just hit the love button for giggles and they approved me with an instant increase and I'm now at $4300. I have never been late on my bills or with this card and you can see my scores in my sig (which I obtained this year after my last baddie fell off after 7 years).

Give it some more time and try the love button and see if it happens. It worked for me. I also did this with another cc that I had been denied for and got an increase with them as well. I swore I would never call and ask for another increase ever again. LOL

Re: Discover CLI Magic

FinStar — Tue, 31 Dec 2013 07:25:10 GMT

@audia4 wrote:
The same exact thing happened to me with my Walmart Discover. When I ask for a CLI I was denied and told that I would get a letter within 10 days saying why. I tried calling them and pretty much got a rep that didn't want to discuss it and pretty much told me that it had been denied and they couldn't do anything about it and I would be receiving my 10 day letter. When I received the letter, the reason was blank. I got fed up and just left it be.

I had started with an $800 limit when I was first approved. 3-4 months later THEY increased my limit to $1800 without me asking. It had been another 4 months and that's when I ask and was denied.

So this month I went online and just hit the love button for giggles and they approved me with an instant increase and I'm now at $4300. I have never been late on my bills or with this card and you can see my scores in my sig (which I obtained this year after my last baddie fell off after 7 years).

Give it some more time and try the love button and see if it happens. It worked for me. I also did this with another cc that I had been denied for and got an increase with them as well. I swore I would never call and ask for another increase ever again. LOL

Walmart Discover and Discover Financial Services are two totally separate cards/products - different entities. Walmart Discover is issued by GECRB, unlike the Discover it or Discover More cards. They only share the same payment network.

Re: Discover CLI Magic

Anonymous — Tue, 31 Dec 2013 13:28:13 GMT

@bonehead88 wrote:
Yes, Discover counters. I asked for a HP to $4K over the phone 7 months ago and the rep told me she could only go to $3750. That's my limit now.

Thanks! Was this a hard pull CLI? What was your limit before this?