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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
enharu
Super Contributor

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.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 3 of 27
megaman1
Regular Contributor

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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