Discover Chat Fail

[lg8302ch]

That is the best answer for such a question !  Anything else depends on your entire profile and  there is not 1 solution  that applies to all customers. Just keep using the card  and pay on time...then be patient...that is all

edit: it took me 15 month to get my SP CLI from 2,5K to 5K and all my other cards were 5K to 25k...just be patient..with time and good use you will eventually get what you are looking for....just not overnight..LOL 

[Chris679]

Use the card and pay on time, it really is that easy.

[Kenny]

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@-Wade- wrote:

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@hwturner17 wrote:

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@-Wade- wrote:

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@hwturner17 wrote:

Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

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Sorry but they can not give out info on how to get the card.

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Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

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oh ok sorry, Well it took me 14 months to get a SP CLI. All you can do is use the card and make payments like i did

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Exactly. Just USE the card. Period. Plain and simple. When your usage shows you need something and you make the payments guess what Discover is smart and will adjust your limit to where it should be if you've been responsible with them.

[bch238]

OP, you said, "[I] specifically said I didn't want any committments or gaurentees [sic], just an idea of how to best handle their card so I could make it my go to."

Honestly, it sounded like you were soliciting a bribe or other "incentive" to use their card.  Just use it like you would cash, pay your bill on time in full, reap whatever benefits they deign to shower upon you.  If after some time you feel that you are not reaping your due rewards, switch to another card.  You probably already know that all your creditors pull your CR's from time to time and see how you are performing on all your obligations, so act accordingly.

[parakleet]

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@Chris679 wrote:
Use the card and pay on time, it really is that easy.

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+1 So true. 

[Anonymous]

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@KennyRS wrote:

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@-Wade- wrote:

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@hwturner17 wrote:

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@-Wade- wrote:

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@hwturner17 wrote:

Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

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Sorry but they can not give out info on how to get the card.

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Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

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oh ok sorry, Well it took me 14 months to get a SP CLI. All you can do is use the card and make payments like i did

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Exactly. Just USE the card. Period. Plain and simple. When your usage shows you need something and you make the payments guess what Discover is smart and will adjust your limit to where it should be if you've been responsible with them.

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I understand the full disclosure part. Everyone wants to know the secret coke receipe simply out of curiosity, but even employees aren't given that kind of information for good reason. However, I can see the OP's point of view as well. Having worked in retail, I have learned that people just want the truth (big shock!) and not the run around. It could have been just as easy to say, "Other than the monthly practices of paying your bill, not exceeding the limit... blah blah blah...I am not at liberty to discuss other scenarios that may or may not beneficial to one single customer due to policy." It's all in the way you say something, especially with the beauty of text communication today....It allows for a much broader range of interpretation of any one sentence  when you take emotion, tone, and context out of the equation. 

[bch238]

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@Anonymous wrote:

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I understand the full disclosure part. Everyone wants to know the secret coke receipe simply out of curiosity, but even employees aren't given that kind of information for good reason. However, I can see the OP's point of view as well. Having worked in retail, I have learned that people just want the truth (big shock!) and not the run around. It could have been just as easy to say, "Other than the monthly practices of paying your bill, not exceeding the limit... blah blah blah...I am not at liberty to discuss other scenarios that may or may not beneficial to one single customer due to policy." It's all in the way you say something, especially with the beauty of text communication today....It allows for a much broader range of interpretation of any one sentence  when you take emotion, tone, and context out of the equation. 

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I think this proposed answer sounds more creepy/ominous than would be intended, had it been given, and it begs more questions. The fact of the matter is, CSRs are not trained for these kind of U/W questions for the simple reason it is way outside the bounds of normal customer service, and I don't think a credit card customer is entitled to know this information, frankly.  It involves corporate trade secret, there are probably anti-competition laws implicated by divulging this information, and the factors bearing on the creditor/debtor relationship are so numerous and ever-changing that no answer would be other than misleading. The OP asked too much and expects too much of this creditor, IMO.

[Anonymous]

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@bch238 wrote:

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@Anonymous wrote:

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I understand the full disclosure part. Everyone wants to know the secret coke receipe simply out of curiosity, but even employees aren't given that kind of information for good reason. However, I can see the OP's point of view as well. Having worked in retail, I have learned that people just want the truth (big shock!) and not the run around. It could have been just as easy to say, "Other than the monthly practices of paying your bill, not exceeding the limit... blah blah blah...I am not at liberty to discuss other scenarios that may or may not beneficial to one single customer due to policy." It's all in the way you say something, especially with the beauty of text communication today....It allows for a much broader range of interpretation of any one sentence  when you take emotion, tone, and context out of the equation. 

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I think this proposed answer sounds more creepy/ominous than would be intended, had it been given, and it begs more questions. The fact of the matter is, CSRs are not trained for these kind of U/W questions for the simple reason it is way outside the bounds of normal customer service, and I don't think a credit card customer is entitled to know this information, frankly.  It involves corporate trade secret, there are probably anti-competition laws implicated by divulging this information, and the factors bearing on the creditor/debtor relationship are so numerous and ever-changing that no answer would be other than misleading. The OP asked too much and expects too much of this creditor, IMO.

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well said 

[Anonymous]

OP it seems this thread gave you a solid list of answers. Understand your question of the Discover CSR and why the person may not have said more. The sum is it is 2014.

[SunriseEarth]

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@hwturner17 wrote:

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@SunriseEarth wrote:

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@hwturner17 wrote:

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@-Wade- wrote:

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@hwturner17 wrote:

Went to Chat with a Discover rep and asked specifically or generally what I could do to build the best possible relationship with Discover. I kept asking for anything that could be of help and specifically said I didn't want any committments or gaurentees, just an idea of how to best handle their card so I could make it my go to. This is seriously the response I got.

"Catherine: You can make your payments on time."

....crickets.

It seems like a snarky statement someone would say to someone who does not make on time payments but I always have. I kept waiting for anything else. Nothing.

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Sorry but they can not give out info on how to get the card.

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Wade, I already have the card. I wanted to know how I could make them my go to card. I didn't need the keys to the city and I'm ok with her not being able to speak above her pay grade but everyone's pay grade requires effort, she gave me zero effort. It was really akward actually.

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What sort of answer were you expecting from a CSR?   They're not UWs.   They don't write algorithms that can predict credit behavior.   They're not financial experts.  TBH, I think she gave you the best possible answer she could have given you in her situation. 

If I ask someone for directions, I'd much rather they say "I don't know" than to send me in the wrong direction if they don't know. 

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She could have maybe referred me to the Free Fico score given on the statement. You guys don't seem to understand that she only said "make your payments on time". Literally anything would have been better customer service.

Can anyone point me to the proper forum to get this information by annecdotal evidence? Would it be here or the approvals section?

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i'm going to disagree.   She gave you the only tip that is absolutely consistent across all lenders and algorithm models.   She didn't lead you into a spending pattern that could potential put you at risk of CLD or AA, not did she suggest one that would cause her company a loss of revenue.   I don't think you're understanding that this CSR probably didn't have the type of information that you wanted or that any tips she could offer on that line would be pure conjecture.  She did you a favor by giving basic, sound advice and nothing more. 

As I've previously suggested, if your goal is CLIs, then look at the Discover CLI threads and see what those people are doing or what their profiles are like.