Disco Luv Button Glitch May Have Cost Me $7k

[Credit_hawk]

Hey guys,

So I am up late and decided to try for a CLI with Discover. They’ve treated me well over the years and I’ve been pretty successful with increases. It’s been at least 3 months since my last. So I logged in the app at about 2:45am (should have known better) clicked the CLI button. I put my information in, clicked submit, and got this weird screen I’ve never gotten before which said “you’ve been approved for up to a $7,000 increase.” It showed my new “Account Information” balance which included the new $7,000. It included just two buttons “Submit” and “Cancel” which was a different screen than usual. Normally it would ask me if I wanted to take the full increase or not and would include more information on the screen. When I clicked “Submit” it said “only half the application has been completed” then it gave me an option to “return” to complete abs presumably get the $7k or “cancel.” When I’d click return it would just take me back to the prior screen saying submit or cancel. I did this 3 times in a circle to no avail. Eventually I just cancelled it out. Then I went on my desktop and tried again and I got the 2 day review message which I’ve never received before. When I logged on 10 minutes later to check if it would even allow me to try again (not that I would have) or throw a system maintenance error, it gave me the system maintenance error. Seems I just chose the wrong time of day to try for a CLI that otherwise would have been successful. I know better than to mess about with bank sites around 3am. 🤦🏻‍♂️

Has anyone experienced this before? How should I go about this? Wait 2 days? Try again? What if it denies me after I’ve been approved but glitched? I have the screenshot of the approval but I didn’t take a screenshot of the error message after hitting submit stating I had to go back to finish the application if I wanted the increase.

Thanks for your time!!

[Anonymous]

This is one of those times where I would call Disco and see what they can do.

[CreditInspired]

I thought Disco had 24-hr customer service. I would have called the number on the back of the card immediately. Call the moment you read this. I don't think you lost your $7K CLI. I think there was just a glitch in the system. I bet they're able to see it on their end.

Let us know what you find out.

[Credit_hawk]

Thanks guys. I called and they told me to call back today after 7am. Seems they can’t do it right now due to the system maintenance.

[AverageJoesCredit]

Yes! This just happened to me. Not exactly as your ordeal but close. Call 1800 550 0754 and explain your sit. Most likely they will see your new increase and give it to you within 15 minutes. Disco be cray cray this week

[JourneyStartsNow]

Most banking/credit card websites seem to do their site maintenance late-Friday/early -Saturday mornings so it’s probably best not to try anything during that time of the week.

[Credit_hawk]

Update, I took everyone’s advice which was the same, called again today and they told me they do see my $7k approval but since I tried to resubmit an application again after the glitch crash, it jammed everything up and gave the “2 day review.” A credit specialist out of Wilmington that I was transferred to said it would take about 15 minutes, like Average Joe said, to cancel out all the duplicative junk in there and reinstate my new $7,000 CLI. I haven’t checked yet but I believe it will be. I’ll keep you updated if the saga continues.

[HighAchiever]

Sounds like you got it... congratulations!!!   

[AverageJoesCredit]

Lol my 2 day started turning into a 3 day and might have gone on forever had i not called in Tried messaging first but they had no authority.

[Drwaz99]

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@Credit_hawk wrote:
Update, I took everyone’s advice which was the same, called again today and they told me they do see my $7k approval but since I tried to resubmit an application again after the glitch crash, it jammed everything up and gave the “2 day review.” A credit specialist out of Wilmington that I was transferred to said it would take about 15 minutes, like Average Joe said, to cancel out all the duplicative junk in there and reinstate my new $7,000 CLI. I haven’t checked yet but I believe it will be. I’ll keep you updated if the saga continues.

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Oh heck yeah! Definitely worth 15min of your time.  Congrats!