Discover CLD?!?!

[PlasticOrPlastic]

So I'm not real impressed with this (since I just made a post about getting 5K limits this is a step in the wrong direction)  I logged into my Discover account and just noticed I now have a CL of $800 down $200 from $1000.  I'm not real sure what to make of this since its never happened before, even when I didn't pay my CC bills, maxed them out and left them for months.  Sick of this one step forward 3 steps back stuff. 

[yudeology101]

Sorry to hear about this...Give them a call and see what's going on.

[PlasticOrPlastic]

Again thanks yude, always good to hear from ya!  I just got on a chat with Discover to sort this out, no idea how this is even possible.

[clocktick]

Do ou have a balance on the card?  How old is it?

They tried to CLD me and I gave them a call.  They asked me questions about my financials and CRs which I answered honestly.  They ended up keeping the limit. 

Hopefully your chat session is going well.  If not, maybe try calling them.

[PlasticOrPlastic]

I have about 600 out of my 1000 limit I pay in full each month though.  She said it looks like its my lates and recent over limits....

[yudeology101]

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@EndlessRoad wrote:

I have about 600 out of my 1000 limit I pay in full each month though.  She said it looks like its my lates and recent over limits....

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Ooo..is your lates w/ Discover or in the past?  Although you go over limit, but you PIF so it shouldn't be a problem IMO.  I hope you get it sorted out and keep your CL!  Pulling for ya buddy, keep us updated on the final results.

[PlasticOrPlastic]

Thank goodness for Discover CS.  I forgot to mention the problem with those reasons...I've never been late, and never been over my limit, about 60% is usually the highest but PIF before each statement.  Shes not sure how this got posted to my account but she looked at my purchase and payment history and saw that I run about $1200-$1500 through my card (never at once) per month and pay multiple times per month resulting in PIF.  I told her this would be another reason for a CLI (hint hint) she said April 4th is my 3 month statement cut, and shes very sorry for the inconvience (with the CLD) and to feel free to do a CLI request in April, in the mean time I've been put back to $1000.  

Excellent CS at Discover.  Not sure how this got posted to my account, seems to always happen to me but they were quick to sort it out for me!  RELIEF!

[yudeology101]

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@EndlessRoad wrote:

Thank goodness for Discover CS.  I forgot to mention the problem with those reasons...I've never been late, and never been over my limit, about 60% is usually the highest but PIF before each statement.  Shes not sure how this got posted to my account but she looked at my purchase and payment history and saw that I run about $1200-$1500 through my card (never at once) per month and pay multiple times per month resulting in PIF.  I told her this would be another reason for a CLI (hint hint) she said April 4th is my 3 month statement cut, and shes very sorry for the inconvience (with the CLD) and to feel free to do a CLI request in April, in the mean time I've been put back to $1000.  

Excellent CS at Discover.  Not sure how this got posted to my account, seems to always happen to me but they were quick to sort it out for me!  RELIEF!

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WTG, glad it got sorted out okay....you should call back/ chat back with them and ask for $25 Starbucks / Coffee Bean card for the inconvenience.  They'll do it! 

[PlasticOrPlastic]

yude not only with the friendly advice but now feeding my coffee addiction with potentially free Starbucks!  I will be giving this a try    Thanks again buddy!

[yudeology101]

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@EndlessRoad wrote:

yude not only with the friendly advice but now feeding my coffee addiction with potentially free Starbucks!  I will be giving this a try    Thanks again buddy!

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I've tried before, but pleasantly denied...but you have reasons to get that free Starbucks!!

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Starbucks-Gift-Card/m-p/2862457/highlight/true...