Has Discover Direct Rewards (HSBC) been effective?

[Anonymous]

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NICKI183 wrote: I was recently approved for this card, after not being approved for the REAL Discover card. Has anyone had any luck with decreased APR, increased CL or even assistance with obtaining a REAL discover card. Please share your views.

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They decreased my APR but only by a few minor percentage points (something is better than nothing, right--it is between 12% or 13%). They also hooked me up with an APR of about 3% on new purchases for 6 months. But they havent given me a CLI yet and when I contact them about it, I get the same ole line. It is still stuck at 1400 dollars.

Message Edited by landocalrissian on 03-18-2008 08:11 AM

Message Edited by landocalrissian on 03-18-2008 10:42 AM

Message Edited by landocalrissian on 03-19-2008 06:00 AM

[Anonymous]

Concorduser, When exactly did you receive your card and how has your usage been?  You are one of very few people who I have seen get CLI from them.  What did you do that rest of us (who have this card) aren' t doing?

[Red1Blue]

I am not sure if I did any thing different. I got my card some time in Oct / Nov 2007. I have been charging between $100-$200 every week and did a payment in full every week through my billpay.

At the 3rd statement I got Auto CLI of $250.00 I am waiting to see if I would another CLI at 6 month statement.

By the way, on the side note, I also have OfficeMax Biz card issued by HSBC.  I got the card with initial CL of $500 about 3 months ago. Last night I asked for CLI from $500 to $1500. I got email this morning my new CL is $2300.

[Anonymous]

I received my card a couple of months before you received yours.  WOW!.  My usage has not been as high as yours.  I use the card to buy airline tickets (big purchases).  I just made a 300 dollar payment on my balance today.  Usage must equal CLI with them.  Moreso probably than with Cap1.

[Red1Blue]

I am not sure if there is any set guide lines for CLI. At 6 month mark, if I dont get auto cli, I am going to call them ask for manual review and CLI. I am pretty sure they would give it. I want to have at least $2000 CL on every card. Since this card does not have any AF for me, it is worth keeping it for a while.

[Anonymous]

What number did or do you call for a manual review because I am sick of hearing that they dont do them.  I got the same BS response from them when I sent a secure message to them online.

[Red1Blue]

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landocalrissian wrote:

What number did or do you call for a manual review because I am sick of hearing that they dont do them.  I got the same BS response from them when I sent a secure message to them online.

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So far I what I got is Auto CLI. I have not called them yet for Manual review. I was going to call them at the end of 6 months. You can always threaten them by saying, I want to close the account. They might send you to customer retention group where you might get CLI. If all fails I guess wait it out and see what happens.

[Anonymous]

I have a Direct Merchants Discover that I received just over 2 years ago. It was issued with a 1100 credit line, then in 6 months received an auto CLI to 2300. About a year later, I received another auto CLI to 3400 and just three months later received another auto CLI to 4400.  The most I have ever had on this card at one time is somewhere in the neighborhood of $800. I usually do not pay in full. My APR is 11.99 percent and no AF.  Its not a bad card, but Discover is not accepted everywhere.

Kate

[Anonymous]

I applied for a Discover online but they declined me, and offered the Direct Rewards. I closed the webpage. They then sent me an e-mail, asking for me to call them for verification. I called, they verified, and declined me again, and tried to push the Direct Rewards. I declined again. This morning, I got another e-mail. I called again, and asked if they would please stop bouncing me e-mails. They offered AGAIN the Direct Rewards with the 2.9% intro for 6 months, 19.99% thereafter. $59 APR, but a cl of $300, which would be my lowest cl on my cards. She said she would send me the card, and if I did not use the card I would have 90 days to choose whether or not to keep it. Of course, if I decide not to keep it I have no obligation to the af.

I'm torn about this. I have 2 cards with Citi (no af), 1 with Chase (no af) and one with C-1 ($39 af that I waive). I've never done any banking or business of any sort with HSBC. I'm indecisive on whether or not the af is worth keeping for a card that I would probably only charge my movie rentals to.

I was also wondering if the rewards are decent?

[Anonymous]

When they offered me the card, HSBC gave me a Direct Rewards card with no annual fee. Hmmmm. And the limit was 1400 dollars. How do they determine who gets the annual fee and who doesnt???