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AA from Discover? I’m shocked!

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Regular Contributor

AA from Discover? I’m shocked!

So a lot of my balances have been creeping because I’m saving more $$$ for another house. My DTI is low so no issues there but a lot of my cards are creeping around 60% UTIL.

Low and behold I checked today and discover balance chased me. My CL is $1500 and I paid $500 on it to a $1000. I used it some before realizing they took it to $1200.

I was shocked. I immediately called and told them to pump the brakes. I explained the situation that I’m in the process of buying a second property and most of my money being saved is going towards that. (Basically saving 8,000 over 4 months)

Shockingly she was like well let me review it now as it’s being done auto. She said hey yeah you’ve never been late, make large payments so no issues there. She restored my original credit limit. I was very happy about that and hats off to discover on their customer service
July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
Message 1 of 11
10 REPLIES 10
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Established Contributor

Re: AA from Discover? I’m shocked!

Frontline  CSR was able to handle that?

050719:     
010120:     

Message 2 of 11
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Moderator

Re: AA from Discover? I’m shocked!

Glad to hear they were able to restore the CL, but the AA is not shocking per se.  While these forums may not see an abundance of Discover AA instances (save for a recent sprinkle of them), they do happen.   Evidently, it appears recent shifts in credit behavior definitely flagged your profile.

Message 3 of 11
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Regular Contributor

Re: AA from Discover? I’m shocked!

Glad they were able to restore your limit Op!!!

                                                                              A happy ending at last!

Message 4 of 11
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Valued Contributor

Re: AA from Discover? I’m shocked!

Thanks for sharing!




"I thought credit was over in 2008. Never underestimate the ability of central bankers to blow a bubble." - Me
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 5 of 11
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Community Leader
Super Contributor

Re: AA from Discover? I’m shocked!

Congrats on the reversal. IMHO count your blessing that you got a very accommodating CSR because it could have easily gone the other way. I hope you view this as a sign to not use the Disco again until you get it to at least <48.9%, preferably <28.9%, if for nothing else than peace of mind so it won’t happen again.

Just my 2cents.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 11
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Senior Contributor

Re: AA from Discover? I’m shocked!

Oh wow, good for you calling in and mo'better the csr was awesome.  You can flush that AA down the toilet now, shew!  Smiley Tongue

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 7 of 11
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Valued Member

Re: AA from Discover? I’m shocked!

I had AA on Disco once about 2 years back. They balance chased me once after it had been maxed for a few months.

 

They chased me from $2,500 to........ $2,440.

 

Yep $60. That was it. Since then I've had a single DD CLI to $3,440 and it's SD as I use my Chase FU for daily spend mostly.

Chase Freedom Unlimited $1k
Discover It $3.4k
Amex Blue Delta Skymiles $4k
Farm Bureau Member Rewards $5.5k

FICO8 @ 9/4/19 Ex 757 Eq 775 TU 748

Gardening and preparing to buy a house!
Message 8 of 11
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Frequent Contributor

Re: AA from Discover? I’m shocked!

I had a 3,500 dollar balance and Discover cut me limit down to 3,700 from 21,000 but one quick call and my limit was restored. Never getting rid of my Discover. Best customer service in the credit card world.

As of 11/28/2018
Message 9 of 11
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Frequent Contributor

Re: AA from Discover? I’m shocked!


@BallBounces wrote:

Frontline  CSR was able to handle that?


Not uncommon. Amex front reps have same empowerment.

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