topic Re: Discover Chat Fail in Credit Cards

Discover Chat Fail

JKSIMMONS — Mon, 21 Apr 2014 23:08:22 GMT

Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

Re: Discover Chat Fail

SunriseEarth — Mon, 21 Apr 2014 23:15:21 GMT

@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

I'm not sure the CSRs would be savvy enough to give a good answer to that question. I'd just search the Approval forums here and see what people getting Discover CLIs are doing.

Re: Discover Chat Fail

-Wade- — Mon, 21 Apr 2014 23:17:03 GMT

@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

Sorry but they can not give out info on how to get the card.

Re: Discover Chat Fail

CreditExpressNJ — Mon, 21 Apr 2014 23:18:16 GMT

I think that kind of is the best answer besides using there card which is logical... I wouldnt understand how to answer a question like that either... Its way to broad every card company wants you do 4 things ... Use there card ... Pay on time...Never default....Keep there card forever ...... I think those are the 4 most things that can build a great relationship with any credit card company idk how specific they can be in anything else...

Re: Discover Chat Fail

JKSIMMONS — Mon, 21 Apr 2014 23:22:32 GMT

@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.

Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

Re: Discover Chat Fail

gdale6 — Mon, 21 Apr 2014 23:23:37 GMT

Making payments on time is the biggest single percentage of your FICO score (35%), its sound advice to be applied to all your loans/cards.

Re: Discover Chat Fail

JKSIMMONS — Mon, 21 Apr 2014 23:24:44 GMT

@shaun2009 wrote:
I think that kind of is the best answer besides using there card which is logical... I wouldnt understand how to answer a question like that either... Its way to broad every card company wants you do 4 things ... Use there card ... Pay on time...Never default....Keep there card forever ...... I think those are the 4 most things that can build a great relationship with any credit card company idk how specific they can be in anything else...

Well paying on time and not defaulting are inclusive of each other. I get your point though. I was hoping the rep would at least show some effort. She didn't give me but one of the things your listed and it's her job. I actually work for a large company and use the same chat service as Discover. It's seriously the easiest job in the world and that is the response I got.

Re: Discover Chat Fail

JKSIMMONS — Mon, 21 Apr 2014 23:26:21 GMT

@gdale6 wrote:
Making payments on time is the biggest single percentage of your FICO score (35%), its sound advice to be applied to all your loans/cards.

I was looking for info specifically on Discover, not FICO. That's why I went to the horses mouth, which I know was a mistake at this point.

As we've seen countless times on this site, FICO is not the end all be all with lenders. Utilization, use etc are important and that's what I was looking for

Re: Discover Chat Fail

gdale6 — Mon, 21 Apr 2014 23:30:34 GMT

@hwturner17 wrote:
@gdale6 wrote:
Making payments on time is the biggest single percentage of your FICO score (35%), its sound advice to be applied to all your loans/cards.
I was looking for info specifically on Discover, not FICO. That's why I went to the horses mouth, which I know was a mistake at this point.

As we've seen countless times on this site, FICO is not the end all be all with lenders. Utilization, use etc are important and that's what I was looking for

Ok, they cannot disclose to you what they are looking for, that would be a violation of company policy and quite possibly a viloation of company secrecy as it applies to scoring model... All a CSR will ever give you are generatlities like this.

Re: Discover Chat Fail

-Wade- — Mon, 21 Apr 2014 23:32:01 GMT

@hwturner17 wrote:
@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.
Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

oh ok sorry, Well it took me 14 months to get a SP CLI. All you can do is use the card and make payments like i did

Re: Discover Chat Fail

SunriseEarth — Mon, 21 Apr 2014 23:32:14 GMT

@hwturner17 wrote:
@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.
Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

What sort of answer were you expecting from a CSR? They're not UWs. They don't write algorithms that can predict credit behavior. They're not financial experts. TBH, I think she gave you the best possible answer she could have given you in her situation.

If I ask someone for directions, I'd much rather they say "I don't know" than to send me in the wrong direction if they don't know.

Re: Discover Chat Fail

NoAnchoviesPlease — Mon, 21 Apr 2014 23:35:58 GMT

@gdale6 wrote:

Ok, they cannot disclose to you what they are looking for, that would be a violation of company policy and quite possibly a viloation of company secrecy as it applies to scoring model... All a CSR will ever give you are generatlities like this.

You'd have better odds looking on Craigslist for someone who used to be an underwriter/analyst for Discover. But in general, they'll only confirm what they can confirm. It's better than them making something up that sounds convincing, right?

Re: Discover Chat Fail

JKSIMMONS — Mon, 21 Apr 2014 23:41:00 GMT

@SunriseEarth wrote:
@hwturner17 wrote:
@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.
Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.
What sort of answer were you expecting from a CSR? They're not UWs. They don't write algorithms that can predict credit behavior. They're not financial experts. TBH, I think she gave you the best possible answer she could have given you in her situation.

If I ask someone for directions, I'd much rather they say "I don't know" than to send me in the wrong direction if they don't know.

She could have maybe referred me to the Free Fico score given on the statement. You guys don't seem to understand that she only said "make your payments on time". Literally anything would have been better customer service.

Can anyone point me to the proper forum to get this information by annecdotal evidence? Would it be here or the approvals section?

Re: Discover Chat Fail

VirtualCuriosity — Mon, 21 Apr 2014 23:48:03 GMT

@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

I am sorry you didn't get the info you were seeking, but the whole thing is a little weird. What I mean is, what exactly were you trying to achieve? A CLI? You said you kept asking for anything that could help you make them your go to card. You already have the card. You mean it's not a go to card because you need something else from them? I am just trying to understand the whole thing, not criticize.

Re: Discover Chat Fail

-Wade- — Mon, 21 Apr 2014 23:50:25 GMT

@hwturner17 wrote:
@SunriseEarth wrote:
@hwturner17 wrote:
@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.
Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.
What sort of answer were you expecting from a CSR? They're not UWs. They don't write algorithms that can predict credit behavior. They're not financial experts. TBH, I think she gave you the best possible answer she could have given you in her situation.

If I ask someone for directions, I'd much rather they say "I don't know" than to send me in the wrong direction if they don't know.
She could have maybe referred me to the Free Fico score given on the statement. You guys don't seem to understand that she only said "make your payments on time". Literally anything would have been better customer service.

Can anyone point me to the proper forum to get this information by annecdotal evidence? Would it be here or the approvals section?

What does your File look like and what's your score ??

EDIT: also incomme plays a big part in getting a CLI

Re: Discover Chat Fail

NotTellinYou — Tue, 22 Apr 2014 04:33:16 GMT

What does "go to card" mean?

You asked a question with ZERO frame of reference or indication on intent and then complain you don't get the answer you want. Worse you come here and complain and yet again seem to not be getting the answer you want and complain. What I find unfortunate in all this is the CSR who is paid a low wage and is trained to follow a set of proceedures and not decode things like "go to card".

Sorry but you may want to think of what is common in these scenarios and perhaps reconsider your communication style.

Re: Discover Chat Fail

bk510 — Tue, 22 Apr 2014 05:20:13 GMT

@-Wade- wrote:
@hwturner17 wrote:
Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.
Sorry but they can not give out info on how to get the card.

OP did not say anything about "getting the card".....OP wanted to know how he or she could improve the relationship with discover going forwrad.

OP went throght the online chat, which means OP is already a card holder.

I believe they are not allow to actually give those types of info to thier customers.

Just brrowse the forum and ask q's and guess what?, you will pick it up in no time as to what you want to know abiut this game.

Re: Discover Chat Fail

bk510 — Tue, 22 Apr 2014 05:23:05 GMT

@gdale6 wrote:
@hwturner17 wrote:
@gdale6 wrote:
Making payments on time is the biggest single percentage of your FICO score (35%), its sound advice to be applied to all your loans/cards.
I was looking for info specifically on Discover, not FICO. That's why I went to the horses mouth, which I know was a mistake at this point.

As we've seen countless times on this site, FICO is not the end all be all with lenders. Utilization, use etc are important and that's what I was looking for
Ok, they cannot disclose to you what they are looking for, that would be a violation of company policy and quite possibly a viloation of company secrecy as it applies to scoring model... All a CSR will ever give you are generatlities like this.

+1, all the way.

Re: Discover Chat Fail

bk510 — Tue, 22 Apr 2014 05:25:27 GMT

@NotTellinYou wrote:
What does "go to card" mean?

You asked a question with ZERO frame of reference or indication on intent and then complain you don't get the answer you want. Worse you come here and complain and yet again seem to not be getting the answer you want and complain. What I find unfortunate in all this is the CSR who is paid a low wage and is trained to follow a set of proceedures and not decode things like "go to card".

Sorry but you may want to think of what is common in these scenarios and perhaps reconsider your communication style.

Your MAIN spending card in your poforlio.

Re: Discover Chat Fail

compassion101 — Tue, 22 Apr 2014 05:53:42 GMT

All big companies tell there CSRs what they can and can't say. And they don't want to say anything that you could come back with later (even if you wouldn't, they don't know that) and say "Well, I did what you guys said and still can't get a CLI"

I agree it's a shame, but it's the way of things in 2014.