@linux007969 wrote:*** Update ***
So last night a credit specialist from the EO called to followup with me and review my case and said they can have a credit analyst re review for the increase, and she said she would call me back within 24 hours, she gave me her direct number which was good cuz when she called my phone displayed all zeros, and i told her that and she thought it was strange and i told her "they don't want every tom, dick, and harry calling you up" she laughed a lil and she doesn't mind and the calls are recorded anyways... lol.
So when i got home from work today i called her as she didn't call me back, and i left her a message. Then 2 hours later she called me back and said she did not hear back from them yet and she said she was having a manager from the credit department look over my request and she was just calling to let me know, and i said to her that i was thinking that if they can't approve my request, how about they just take 2k from my BBR card and throw it in my Cash Rewards card?, I said that I can always get that added back later to the BBR card with more income, more liquid assets and more good credit history. She said she will shoot them an email letting them know that that is an option, and she will call me back tomorrow
So i just logged into my account and my Cash Rewards card is now 5K and my BBR is 1K.
My both my accounts still say Platimum plus, so when my lovely rep calls back i will ask for Visa Signature now that my Cash Rewards is 5K. I am also going to ask about the Hard Pulls, as i only see the one that was pulled in January and no new pulls at all according to Discover ID Theft Monitoring. Maybe I'm getting lucky and they are re using the same pull since it's within 30 days? If more are going to show up maybe i can sweet talk them to removing one...LOL.
I'm surrprised that none the analysts didn't offer this when i called, I was considering it as a last resort, which i know they can do as i have seen it on here before, so they were able to do it.
I'll keep you all posted as always so we can see this though together!
Congrats on the extra effort. I would be real careful applying for credit with inomce at 12k though. While it's common to see many users have more credit available than their income, at 12k, I would be under the radar for now on. And that's really an amazing CL for Discover!
@efranklin23 wrote:
@linux007969 wrote:*** Update ***
So last night a credit specialist from the EO called to followup with me and review my case and said they can have a credit analyst re review for the increase, and she said she would call me back within 24 hours, she gave me her direct number which was good cuz when she called my phone displayed all zeros, and i told her that and she thought it was strange and i told her "they don't want every tom, dick, and harry calling you up" she laughed a lil and she doesn't mind and the calls are recorded anyways... lol.
So when i got home from work today i called her as she didn't call me back, and i left her a message. Then 2 hours later she called me back and said she did not hear back from them yet and she said she was having a manager from the credit department look over my request and she was just calling to let me know, and i said to her that i was thinking that if they can't approve my request, how about they just take 2k from my BBR card and throw it in my Cash Rewards card?, I said that I can always get that added back later to the BBR card with more income, more liquid assets and more good credit history. She said she will shoot them an email letting them know that that is an option, and she will call me back tomorrow
So i just logged into my account and my Cash Rewards card is now 5K and my BBR is 1K.
I'm surrprised that none the analysts didn't offer this when i called, I was considering it as a last resort, which i know they can do as i have seen it on here before, so they were able to do it.
I'll keep you all posted as always so we can see this though together!
Congrats on the extra effort. I would be real careful applying for credit with inomce at 12k though. While it's common to see many users have more credit available than their income, at 12k, I would be under the radar for now on. And that's really an amazing CL for Discover!
Thanks! Ya i know i need to start laying low from now on. Like i said i know how to sweet talk Discover and they love me!
Id love to have a bofa cli.. i have an ak air card.. initial 2500 limit..so its the platinum card.. I want the sig.. with 99 companion fair.. i live in ak.. so pretty much always fly ak air..
*** Final Update Verdict ***
So my EO rep got back to me and i asked for the upgrade to Visa Signature some interest charges waived again that weren't valid as i had paid more than enough to cover purchases and some of my promotional balance.
She said she normally has access to do upgrades but for some reason the only thing was was coming up was for regular Visa, so she placed me on hold.......
She came back and said that she would have to get me on the line with another department, (i think she said " Customer Marketing " or something) she gave me their number in case we got disconnected, and we actually did, but then she called back and said she found out some information for me.....
She said that since my account was recently increased they need to see some more use at a 5k line on just the one account, so even though i have mananaged 2 cards fine at a total of 6k, that doesn't count, i guess there must be more probabilty that i would default on a 5k card rather than 2, 3k cards, which makes some scense.
She said it's like offers for Balance transfer, cash advances, direct deposits.... the offer for visa signature will be come available and to keep using my card like i have been doing!
As for the interest charges she explained something that no other rep bothered to look over my account and find out properly.... Aparently i was being charged the minimum interest charge for the 3% fee, she said that the 3% fee for the cash advance checks is charged interest the moment it posts to the account, it took her a while to explain this to me cuz i kept on defending my reasoning for why it shouldn't be that way and she saw where i was coming from, how if i pay all my purchases, plus minimum payment, plus fees, and a lil extra, i should be good. But she took the time to go back all the way into October 2013 on my account and forward till now to explain and she ended up making sence in the end. At least she takes time to explain things as some other reps are mostly nice and all but too quick to give me a credit and get me off the phone! or simply say no to something and get me off the phone. She explains things and researches to find answers.
So in the end I am happy! I got 5k on my cash rewards and will be able to get visa signature in the near future. The rep was awesome throughout the whole process, and while she said no to the upgrade and no to the credit for interest, she was able to explain why in great detail!
I hope this thread helps people who need some inspiration and guidence! I thank everyone on this forum who has helped me so far!
@linux007969 wrote:*** Final Update Verdict ***
So my EO rep got back to me and i asked for the upgrade to Visa Signature some interest charges waived again that weren't valid as i had paid more than enough to cover purchases and some of my promotional balance.
She said she normally has access to do upgrades but for some reason the only thing was was coming up was for regular Visa, so she placed me on hold.......
She came back and said that she would have to get me on the line with another department, (i think she said " Customer Marketing " or something) she gave me their number in case we got disconnected, and we actually did, but then she called back and said she found out some information for me.....
She said that since my account was recently increased they need to see some more use at a 5k line on just the one account, so even though i have mananaged 2 cards fine at a total of 6k, that doesn't count, i guess there must be more probabilty that i would default on a 5k card rather than 2, 3k cards, which makes some scense.
She said it's like offers for Balance transfer, cash advances, direct deposits.... the offer for visa signature will be come available and to keep using my card like i have been doing!
As for the interest charges she explained something that no other rep bothered to look over my account and find out properly.... Aparently i was being charged the minimum interest charge for the 3% fee, she said that the 3% fee for the cash advance checks is charged interest the moment it posts to the account, it took her a while to explain this to me cuz i kept on defending my reasoning for why it shouldn't be that way and she saw where i was coming from, how if i pay all my purchases, plus minimum payment, plus fees, and a lil extra, i should be good. But she took the time to go back all the way into October 2013 on my account and forward till now to explain and she ended up making sence in the end. At least she takes time to explain things as some other reps are mostly nice and all but too quick to give me a credit and get me off the phone! or simply say no to something and get me off the phone. She explains things and researches to find answers.
So in the end I am happy! I got 5k on my cash rewards and will be able to get visa signature in the near future. The rep was awesome throughout the whole process, and while she said no to the upgrade and no to the credit for interest, she was able to explain why in great detail!
I hope this thread helps people who need some inspiration and guidence! I thank everyone on this forum who has helped me so far!
Congrats on the effort and good luck on your journey!!
Congrats! Thanks for all the updates and sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k