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Discover is losing it with me....

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Jbb2788
Regular Contributor

Discover is losing it with me....

Lowest credit line ($800), been told just TODAY 3 different dates for when I'm eligible for a credit line increase (No one seems to care about the inconsistancy), To the sock drawer it goes! I'll keep it open for the free FICO score only I guess. Anyone else ever have these issues with Discover? I was pretty excited when I was approved for the card but I'm telling you, I'm not impressed!

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Message 1 of 27
26 REPLIES 26
newUser0
Established Contributor

Re: Discover is losing it with me....

Even I was denied for a CLI . I got a letter which contains a blank for the reasons for the denail.

I called up the Credit Analyst and she said she was not able to do anything. 

Message 2 of 27
Anonymous
Not applicable

Re: Discover is losing it with me....

what are the reasons for the denial? Work on those reasons.

And FYI, if there's no activity and/or balance on the card, some have said that a statement won't cut, which means no score.
Message 3 of 27
Anonymous
Not applicable

Re: Discover is losing it with me....

yup. hating discover now.. thank goodness i have amex and chase. right now, i love amex most

Message 4 of 27
Jbb2788
Regular Contributor

Re: Discover is losing it with me....

They won't even let me apply for a CLI yet, they have told me 3 different dates for when I'm eligible for review. I use the card like holy heck and pay every month! Lol I'm very confused. 

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Message 5 of 27
lg8302ch
Senior Contributor

Re: Discover is losing it with me....

Discover hates me Smiley Sad ...no CLI at 6,9,12 months...reason: account still too new (credit analyst)....LOL.... I love the card and the limit really  hurts me.

Too bad the Heart is not reciprocal  Smiley Tongue

Message 6 of 27
negg
Frequent Contributor

Re: Discover is losing it with me....

I got a $300 auto love CLI 3 months after opening the account(1000-1300). Then went a full year without a CLI. Then in july i got nice CLI from 1300-2000. Then in oct another auto bump to 2900.    Sorta clueless on disc as GF gets them every 90 days 

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.
Message 7 of 27
Jbb2788
Regular Contributor

Re: Discover is losing it with me....

Well I have some new accounts but no love from AMEX. I'm going to wait about 6 months before applying for AMEX again and if approved, Discover can kick rocks! I do have Chase Freedom and a Quicksilver Siggy from CAP1 so I'll be ok for now!

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Message 8 of 27
barbaralee
Established Contributor

Re: Discover is losing it with me....

I never really had too many issues with Discover other than the CL was real low (I think 1k) and I just never used it. This was several years back and at the time I lived in a real rinky-dinky small town that even the closest Wal-Mart was an hour away. So I cancelled it... for what it was worth the retention lady really tried hard to keep me on board, but at the time I just knew I would never use it.

 

I still have no need for Discover that Visa or Mastercard cannot take care of. There was a time in my life when I really, really wanted a Discover, and once I had it the magic went away.

Message 9 of 27
blondy250
Established Contributor

Re: Discover is losing it with me....

Definately find out why they denied you. I got a 5k CLI from them a few months ago using the luv button (instant approval). Sock drawing Discover isn't the best idea, they won't give you a monthly statement unless you have some activity (no statment=no score) set up a small monthly charge (netflix) is a good idea.

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 10 of 27
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