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WM Upgrade / Discover CL Decrease Update

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jojomomma
Regular Contributor

WM Upgrade / Discover CL Decrease Update

Sighs....finally got the Discover Card in the mail, called the 1-866-611-1148 to 'speak" with a rep.  I didnt want to activiate the card so I chose this number instead of the "activation" number...well it activated it automatically before giving me to a live person Smiley Sad    I answered a few questions, he said it was odd the new card came with a lower balance of credit than my walmart had, he said it would be a SP to try and get me more...denied.......said I will get a letter in the mail.  Closed the conversation with him telling me all the great benefits of the new card blah blah while in my mind I am thinking hope this card enjoys my sock drawer Smiley Happy I will use my other Discover like I always do.  The upgrade did get my son his first real charge card, he's ben an authorize user on the wally card.  I added him to it to minimize any damage he might have done being new to credit  lol.....he was quite responsible so I am glad he will have the Discover now.......

11/2011 FICO .................TU 672 ...........EQ 654........... EX 649
03/2015 FICO; .. TU 710.... EQ 721 ....,,,,.EX 722

Cap1 6850, Discover 17,600, WM Discover 6000, Chase 2500, Citi Simplicity 2600, Citi Dbl Cash 2,600, Home Dpt 500, VS 1200
Message 1 of 10
9 REPLIES 9
gdale6
Moderator Emeritus

Re: WM Upgrade / Discover CL Decrease Update


@jojomomma wrote:

Sighs....finally got the Discover Card in the mail, called the 1-866-611-1148 to 'speak" with a rep.  I didnt want to activiate the card so I chose this number instead of the "activation" number...well it activated it automatically before giving me to a live person Smiley Sad    I answered a few questions, he said it was odd the new card came with a lower balance of credit than my walmart had, he said it would be a SP to try and get me more...denied.......said I will get a letter in the mail.  Closed the conversation with him telling me all the great benefits of the new card blah blah while in my mind I am thinking hope this card enjoys my sock drawer Smiley Happy I will use my other Discover like I always do.  The upgrade did get my son his first real charge card, he's ben an authorize user on the wally card.  I added him to it to minimize any damage he might have done being new to credit  lol.....he was quite responsible so I am glad he will have the Discover now.......


Congrats on the upgrade and yes a CLD does sometimes occur on an upgrade as they consider it a new account Smiley Happy I have denied the upgrade multiple times I have no use for their Discover as I have the real one and one more issued by another bank. Use it for the next 4 months then call Credit Solutions for the CLI.

Message 2 of 10
-Wade-
Valued Contributor

Re: WM Upgrade / Discover CL Decrease Update


@jojomomma wrote:

Sighs....finally got the Discover Card in the mail, called the 1-866-611-1148 to 'speak" with a rep.  I didnt want to activiate the card so I chose this number instead of the "activation" number...well it activated it automatically before giving me to a live person Smiley Sad    I answered a few questions, he said it was odd the new card came with a lower balance of credit than my walmart had, he said it would be a SP to try and get me more...denied.......said I will get a letter in the mail.  Closed the conversation with him telling me all the great benefits of the new card blah blah while in my mind I am thinking hope this card enjoys my sock drawer Smiley Happy I will use my other Discover like I always do.  The upgrade did get my son his first real charge card, he's ben an authorize user on the wally card.  I added him to it to minimize any damage he might have done being new to credit  lol.....he was quite responsible so I am glad he will have the Discover now.......


Congrats on your UG Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 3 of 10
coldnmn
Mega Contributor

Re: WM Upgrade / Discover CL Decrease Update


@gdale6 wrote:

@jojomomma wrote:

Sighs....finally got the Discover Card in the mail, called the 1-866-611-1148 to 'speak" with a rep.  I didnt want to activiate the card so I chose this number instead of the "activation" number...well it activated it automatically before giving me to a live person Smiley Sad    I answered a few questions, he said it was odd the new card came with a lower balance of credit than my walmart had, he said it would be a SP to try and get me more...denied.......said I will get a letter in the mail.  Closed the conversation with him telling me all the great benefits of the new card blah blah while in my mind I am thinking hope this card enjoys my sock drawer Smiley Happy I will use my other Discover like I always do.  The upgrade did get my son his first real charge card, he's ben an authorize user on the wally card.  I added him to it to minimize any damage he might have done being new to credit  lol.....he was quite responsible so I am glad he will have the Discover now.......


Congrats on the upgrade and yes a CLD does sometimes occur on an upgrade as they consider it a new account Smiley Happy I have denied the upgrade multiple times I have no use for their Discover as I have the real one and one more issued by another bank. Use it for the next 4 months then call Credit Solutions for the CLI.


+1 congrats again.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 10
efranklin23
Valued Contributor

Re: WM Upgrade / Discover CL Decrease Update


@jojomomma wrote:

Sighs....finally got the Discover Card in the mail, called the 1-866-611-1148 to 'speak" with a rep.  I didnt want to activiate the card so I chose this number instead of the "activation" number...well it activated it automatically before giving me to a live person Smiley Sad    I answered a few questions, he said it was odd the new card came with a lower balance of credit than my walmart had, he said it would be a SP to try and get me more...denied.......said I will get a letter in the mail.  Closed the conversation with him telling me all the great benefits of the new card blah blah while in my mind I am thinking hope this card enjoys my sock drawer Smiley Happy I will use my other Discover like I always do.  The upgrade did get my son his first real charge card, he's ben an authorize user on the wally card.  I added him to it to minimize any damage he might have done being new to credit  lol.....he was quite responsible so I am glad he will have the Discover now.......


Congrats! 

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 5 of 10
alvon123
Super Contributor

Re: WM Upgrade / Discover CL Decrease Update

congrats on the upgrade


Message 6 of 10
Anonymous
Not applicable

Re: WM Upgrade / Discover CL Decrease Update

Congrats on your upgrade and for sharing with your son!
Message 7 of 10
Darrell82
Established Contributor

Re: WM Upgrade / Discover CL Decrease Update

Nice work getting your son involved and congrats on the new card.




Message 8 of 10
BearsAndTurtlesRtheBest
Senior Contributor

Re: WM Upgrade / Discover CL Decrease Update

No worries it will bounce back as soon as you know it! Congrats!!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 9 of 10
Kenny
Moderator Emeritus

Re: WM Upgrade / Discover CL Decrease Update

Congrats! I hate that I upgrade mine as I don't use it anywhere but WM and the gas station next to the Wal-Mart. lol Oh well! win some, lose some.
Message 10 of 10
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