Frustrating with "IT" CLI

[pt2005]

I called Discover after 6 months to ask for a little luv. 

My wife is on the card too (co-owner). She's in the 720-750 across the board, and I'm in early 700.

Combined income is $170K. We have AMEX, Freedom, and other prime cards. But Discover denied us. Asked to talk to Supervisor. Declined. He said he need a HP from both of us. I said look we have cards in 10K. Even Cap1 gave us 3K-5K. You (Discover) are the lowest CC we have. And we have put in more than 10 grand in the last 6 months. Always PIF and paid MULTIPLE TIMES a month. He said NO. We need HP from both of you. I tried the luv button and it said call Discover.

Question: Is there any else we can do rather than waiting for Auto CLI from the. We both don't want HP.

Thanks

[mauwow0682]

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@pt2005 wrote:

I called Discover after 6 months to ask for a little luv. 

My wife is on the card too (co-owner). She's in the 720-750 across the board, and I'm in early 700.

Combined income is $170K. We have AMEX, Freedom, and other prime cards. But Discover denied us. Asked to talk to Supervisor. Declined. He said he need a HP from both of us. I said look we have cards in 10K. Even Cap1 gave us 3K-5K. You (Discover) are the lowest CC we have. And we have put in more than 10 grand in the last 6 months. Always PIF and paid MULTIPLE TIMES a month. He said NO. We need HP from both of you. I tried the luv button and it said call Discover.

Question: Is there any else we can do rather than waiting for Auto CLI from the. We both don't want HP.

Thanks

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Unfortunately, you're gonna have to take the pulls to get the CLI or just wait for an auto. I will say it could be worth the hard pulls though. I believe you can go high and they will counter if they can't grant your request. 

I chose the route of waiting and within 45 days after me calling they gave me an auto CLI.

[09Lexie]

Have they SPd you at all? What's your overall util?

[FocusedAndDetermined]

I've come to the conclusion that cc companies are truly fickle.  I've been with Chase for over  4yrs, and they wouldn't give me a new card, Discover instantly gave me a pretty big starting CL.  Go figure.  Since you have some good cards with nice limits, I would suggest waiting for an auto CLI. 

[myjourney]

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@FocusedAndDetermined wrote:

I've come to the conclusion that cc companies are truly fickle.  I've been with Chase for over  4yrs, and they wouldn't give me a new card, Discover instantly gave me a pretty big starting CL.  Go figure.  Since you have some good cards with nice limits, I would suggest waiting for an auto CLI. 

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+1 

[pt2005]

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@09Lexie wrote:
Have they SPd you at all? What's your overall util?

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They SP (not sure me or both me and the wife) in March, they said.

My Util is 5% (mostly on the Spark Cap1 because it's the biz card), and hers is 2%.

I had a little tough time in 2010 with a few CO but I paid them all. Looks like they dinged me for a CO in 2010. Huhm!!!!!!!! 

By the way I did a little research on this forum, and applied Mr Smush's theory which to do cash back redemption to statement credit ($100 credit on a $9 balance). I'll see if that triggers Discover somehow. If it does I'll post it here.

[09Lexie]

Good luck, hope that works. Are your CS s in your siggy current?

[pt2005]

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@09Lexie wrote:
Good luck, hope that works. Are your CS s in your siggy current?

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Thanks. YES my siggy are current.

[09Lexie]

Are they SP'ing EQ?

[Datx]

Not sure if this helps, but when attempting to do a CLI request online and all you get is that message where it tells you to call...just call and go through the prompts to request a CLI using their phone system. You don't have to talk to anyone live, its the phone system that asks for your info and attempts to process a CLI. Even though I got denied recently, it was just a soft pull from Discover. Maybe try that so you don't have to risk a hard pull and maybe get a CLI?