Discover Account Merge (HUCA <3)

[BAD_UP]

Congrats on your Disco merger & CLI

[M_Smart007]

Congratulations!

[M_Smart007]

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@recoveringfrombk7 wrote:

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@Anonymous wrote:

How did you get your second card? Did you check to see if you were pre approved for a card while having the secured card

or did you just apply dark? I also have a Discover secured card and am curious to your process.

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@Anonymous I did a prequal and got a fixed APR, so I took it as solid and applied.  I had used the secured card as my only card for the first year and put a lot of spend/mid cycle payments through it.

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@recoveringfrombk7, who says "can't buy me "

[M_Smart007]

I always thought about merging both my Disco cards,

but need (2) pay pal quarters as I can easily max both cards

[gdale6]

Good story, grats on it all

[Heatt99]

Congratulations 👏  Can't wait to roll the dice when my time arrive to merge accounts.

[firefox100]

Congratulations, This is why discover is is a great co you can talk to customer service and if there is way to increase your credit limits or do some thing to help they will. Like some other banks it is black box and there is no who can help or talk to. Another nice story from Discover.

[Iusedtolurk]

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@recoveringfrombk7 wrote:

I started with Account 1 as a secured account.  Deposited $2500, took 14 months to graduate.  Applied for Account 2 while still secured for Account 1 and got a whopping 14,500 SL.  Account 1 finally graduated, no CLI on graduation.  Put a small recurring charge on it and otherwise SD'd it because I had a new year of cash back match.  Ultimately the goal was to merge the two accounts.

In the middle of the pandemic I randomly got all sorts of offers on Account 1, including an automatic CLI of 700 to $3200 and a 9 month promo of 0.9% on purchases.  I didn't attempt to merge from that CLI because I was still in my first year of Account 2 and didn't want to create any headaches with cash back match.

Yesterday I got ANOTHER automatic CLI on Account 1 to $3900.  I called today to see if I could merge the accounts instead of accepting the CLI.  The CR told me I would need CLIs on both cards, which sounded wrong to me based on what I've read here.  I let her try for the CLI on Account 2, but with a limit of $14,500 I didn't figure it would go through and it did not.  So then I HUCA'd and got a lovely new dude in Utah who told me the automatic CLI would not work, it had to be a manual request.  So he attempted a manual request on Account 1 and it was approved - which brought Account 1 to $4,000.

And, with that I now have a successful merge of accounts and a total credit line of $18,700 - not shabby for ~2.5 years post CH7 file.

Thanks to all of the folks here who have shared DPs and info because without you I'd have given up after the first CR!

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@recoveringfrombk7  Congrats!

Not shabby at all "And, with that I now have a successful merge of accounts and a total credit line of $18,700 - not shabby for ~2.5 years post CH7 file."

Inspiration for those recovering from Bankruptcy.

[mgood]