@Anonymous wrote:I received a pre screened app for them in Dec and got the card with a $500 limit. My credit file history only dates to 6/14 and I built it with au cards I opened for my elderly mom that month.
I have built $29,000 in credit since then ( not counting the $7000 BBVA card I just got approved for Monday). Paid the card off and made a few more charges on it and even though I am aware Discover is a stingy lender for some reason we need to find out about, decided to call them for a cli. I tried last month on the automated system and was declined. I have a $200 medical lab bill on my TU which isn't on my other bureaus. They ran Experian to open my account.
The rep I talked to did a soft pull and said I was declined. I asked to speak to an analyst and this real b****. got on the phone. I told her that I needed a limit increase to maybe $1000 because the limit is too small for my needs, I have paid you off rapidly and on time and that Discover is the lowest limit card in my wallet, that I have an Am Ex card with a $15,000 limit, that I would like to use the card more but need more spending ability.
She told me my credit history is too new mentioned the collection and said we only give small limit increases here. We don't raise cards from $500 to $10,000. That there was a reason why my limit started so low. I asked her when I am able to see an increase and she said she didn't know.
I told her that if I can't see any limit increase now or in the future to reward my payment history and give me reason to use Discover instead of other accounts with more spending power I just may as well close the account. That I wasn't asking for a huge increase.
She asked me if I want her to transfer me to customer service so they could close the account for me. I told her no I will give you a few months to make this right and to make a notation of that on my file. She said fine, and I hung up.
If a lender is unwilling to give a customer a limit increaseof a few hundred measly dollars when they have paid on time and have substantially more credit with other lenders, why even do business with them. That damned Discover card will never be worth carrying. I always have $500 cash in my pocket. Why bother with that piddly card that obviously will never grow into a limit worth a damn!
i knew what they were about after being in this forum, but their ultra conservative ways and not giving a damn attitude is insulting to me. They could have given me a $300 increase. If it were my business I wouldn't want to be the lowest card on a customers bureau if he is paying well.
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even for people with 750+ scores, 95 out of 100 of them don't have Discover cards that match their highest limit cards.
Discover you can go straight to hell!!!!!!!! The card is in the sock drawer.
@Around 5 years ago, I had a $90 dollar charge off from Blair -- lol and I couldn't get a Discover. They told me to reapply when it falls off. I wasn't happy either, but eventually they sent me a pre-approval last year 6/14. 3500 @ 0% for 18 months and then 14.99%. Now my CL, as of today....(thanks to that other thread)
is at 6400. I like Discover personally, sorry they aren't working for you!
@Anonymous wrote:I got the card in December so it is 4 months old. I read on the forums that it is eligible for cli at 90 days so I thought I would go for it fully realizing if I got one it would be small. But they declined me with a response that made me feel my credit is crap and they wish they never gave me the card. Not like other lenders who may say just wait a few months and keep paying on time and we'll take care of you.
I got no CLI's for 5 months and only when I initiated a small BT, did I get a $200
Yes. $200 Auto-CLI.
