Discover.... Is this good or bad?

[My_Fako]

Thanks Capitol,  calling now! 

[taxi818]

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@My_Fako wrote:

Talked to a nice lady, see told me my Experian report was frozen. (I had it frozen because it's my worst.} I asked if she could use equifax. She said yes,  put me on hold for a few mins.

Then came back and said welcome to the Discover Family

My credit line is only $1300, but I'm thrilled getting my foot in the door.  Since my score it only like 640, I thought I was going to be offered a secured card.

Time to close Credit One!  But I was able to contact Credit one's,  US customer service and said raise my limit and waive my fee's or I want to close account. He raised it to $900 from $600 and waive the fee for next year.  But still would like to close it.  And somehow get the tradelines off reports. 

I'm a happy 😊 man. Now I'm getting ready to call Barclays for reconsideration... Wish me luck.  If I get drinks on me tonight if you live in Saint Louis.  

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Congrats on Disco. ok closing the card is understandable. But getting a tl off report is not good for your credit. No matter how bad the
Bank. Positive info should never be removed. whoever told you that is not smart. just close the card and let it stay on your report. Its not about who is on your report but the positive things you did with them. this is basically the history you need.

[My_Fako]

My credit dreams just crashed Call Barclays and She approved me. Just $500. I was hoping for at least a grand. I know my highest bank card limit is only $2750 Cap1 Qs1. But $500 that's like the lowest account I have now. I'm happy and sad at the same time. 

Anyone know if I call back later tonight or tomorrow, I can see if I can get it raised a bit.  With out aa HP. 

At least I'm 3 for 3... Barclays, Discover, Amazon... Thinking about going for GM power buy. Think I might be able to get a decent limit on that card.  TWO people on here with lower Eq scores got 3/5 k...  Ideas? 

[padme]

Barclays will bump you up in like 5 months also... they HP though so make sure u wait long enough... i went from 1300-1800 9 months post BK7

[Anonymous]

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@My_Fako wrote:

My credit dreams just crashed Call Barclays and She approved me. Just $500. I was hoping for at least a grand. I know my highest bank card limit is only $2750 Cap1 Qs1. But $500 that's like the lowest account I have now. I'm happy and sad at the same time. 

Anyone know if I call back later tonight or tomorrow, I can see if I can get it raised a bit.  With out aa HP. 

At least I'm 3 for 3... Barclays, Discover, Amazon... Thinking about going for GM power buy. Think I might be able to get a decent limit on that card.  TWO people on here with lower Eq scores got 3/5 k...  Ideas? 

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Hey, you're in the door! You had a VERY successful day. Skip the GM Buy Power. That card is well known for dinky starting lmits.

[CreditCuriosity]

You did well, you should be proud of yourself.

[Anonymous]

Congrats on both Discover and Barclay's approval, tho 500 is low but I take it from Barclay over Credit One any day of week. 

If I leave now? I can be in St Louis in about 15 hours. 

[OMW2_HighAcheiver]

@ JohnnyOne ......Hahahaha

[Anonymous]

Congrats !! You did good there .

Call Barclays backdoor number and speak to a credit analyst  tomorrow . Ask them if they can increase the CL to atleast 1K using the same HP . If you get the CLI , then great . Even if you do not get a CLI , nothing to worry , use the card responsibly by making on time payments and call them back after 6 months for a CLI .

[My_Fako]

You guys are right...  I had a good day Discover, Amazon, Barclays, Target.  I had to throw in Target,  I go there a lot. Now back to the garden.  I will call Barclays today tho and see about increase...