The last time Discover granted me a CLI was in March 2020, which took me from $19k to $21.5k.. After that, they denied my requests more than 15 times 
A couple of Sundays ago, I went for it again just for S&G expecting another denial. Surprisingly, they offered a $7k CLI. That put me at $28.5k. YAY!
But then, the very next day, I get a voicemail from Discover, which I thought was a scam because it was an automated voice message that sounded very fishy, so I ignored it. A little later, I get an email from 'echosign' saying that Discover wanted to verify some info through Equifax. Now it's getting weirder.
I ended up calling Discover to make sure someone wasn't trying to take me for an idiot. They confirmed that my account was frozen pending verification from the IRS, and they wanted my consent to get tax information. UGH! 
I've had my Discover card for 6+ years and they finally decided not to believe my income information.
I told the rep that I'd think about it or might call back to close the account.
Anyway, I said f*** it and filled out the 4506-C form. Barclays also got me earlier in the year for a business card, so what's another IRS inquiry at this point...
It took them almost two weeks, but finally got an email today saying all is well and the hold was lifted so I can start using my card again.
I can't wait to get a survey 
What a nasty process. Glad everything worked out for you though. Congrats on a really solid CLI! 
Might wanna lay off that Luv button for a while though....
On Deck: Possibly Aven 3% Visa
@imaximous wrote:The last time Discover granted me a CLI was in March 2020, which took me from $19k to $21.5k.. After that, they denied my requests more than 15 times
A couple of Sundays ago, I went for it again just for S&G expecting another denial. Surprisingly, they offered a $7k CLI. That put me at $28.5k. YAY!
But then, the very next day, I get a voicemail from Discover, which I thought was a scam because it was an automated voice message that sounded very fishy, so I ignored it. A little later, I get an email from 'echosign' saying that Discover wanted to verify some info through Equifax. Now it's getting weirder.
I ended up calling Discover to make sure someone wasn't trying to take me for an idiot. They confirmed that my account was frozen pending verification from the IRS, and they wanted my consent to get tax information. UGH!
I've had my Discover card for 6+ years and they finally decided not to believe my income information.
I told the rep that I'd think about it or might call back to close the account.
Anyway, I said f*** it and filled out the 4506-C form. Barclays also got me earlier in the year for a business card, so what's another IRS inquiry at this point...
It took them almost two weeks, but finally got an email today saying all is well and the hold was lifted so I can start using my card again.
I can't wait to get a survey
Having a discover card is very risky now-a-days to those who couldn't prove their income for credit limit that have...Too many people are now being asked for tax return request (4506-C). One never knows when Discover could ask for this form. Its extremely scary if income couldn't be verified.
Were you asked for the same tax return request (4506-T) for Barclay's business card??
@simplynoir wrote:
Yeah, that was very sus of them. It would have not been a good feeling if you had attempted to use the card and found out it was locked pending a review. Reminds me of a friend who got a questionable email that honestly looked like spam when I saw it from a business that upon calling them was actually legitimate. There's something to be said for the human touch on things like that but automation is cheap
Actually, I found out my account was frozen because it got declined doing my usual breakfast run. At first, I didn't think much of it, so I used a different card after it declined twice for barely $10. Then, I remembered the fishy robocall I got. I saw the email later when I got to my office. That's when I got kinda pissed and called them, lol.
@simplynoir wrote:
Speaking of Socks the wife finally got her own AR so I don't have to separate purchase anymore. We know have two BofA PR and Socks AR cards to completely keep them apart now for personal/business expenses. If they want my tax returns I'd deliver them personally at this point lol
With BoA, I don't think I'll have a problem. They see my personal and business deposits. But sometimes I do worry about USB because my stated income wouldn't even be able to cover 2 months of charges on the AR
BTW, how do you burn your AR points? I'm very tempted to just cash them out because I can't use them fast enough at 1.5x. I've bought tickets and other travel expenses that I normally wouldn't just to use my points. It kinda hurts to cash at 1:1, but I'll get to 5MM in no time and don't know how to spend them anymore.
@Taurus22 wrote:What a nasty process. Glad everything worked out for you though. Congrats on a really solid CLI!
Might wanna lay off that Luv button for a while though....
Thanks!... HA! now that they got my tax returns, I'm gonna hit them every other day