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disgusted with discover!!! help...

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Anonymous
Not applicable

Re: disgusted with discover!!! help...

Yeah. I have been stuck at $750 for about a year now. Giving it 6 more months then it gets put away.
Message 31 of 49
satasat360
Regular Contributor

Re: disgusted with discover!!! help...

 I started my discover with 750 credit limit in Jan 2014 and I tried for CLI every 3 months for an year and only got an 250 increase after a year. Then I got an auto CLI of 4k in 15th month and there started my CLI train and I got 1k, 1.5K, 3k, 4.5k and 6k Increases every 1.5 to 2 months and now I'm at 21k CL which is my second highest. So it will grow eventually and patience is the virtue.


Starting Score: 669
Current Score: 777
Goal Score: 800


Take the myFICO Fitness Challenge
Message 32 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...

I love how "entitled" is being used so loosely here. This has been MY experience. I'm ok with going through the motions, if you will, with them if I have to. As I mentioned previously of my experience with other cards... I've stayed the course and they've grown with me as I hope this one will.
The majority of what I've done over the past 3 years has been a direct result of what I've found HERE.
I can be disgusted with them.... that much I am ENTITLED to Smiley Happy
I have given the extent of what I can on my profile. I have nothing to add nor anything to take away! I am also aware that underwriting is different for each company.
I'm simply stating that my experience has not been what other have had with the regular increases (and I don't exactly expect it to be). Perhaps I should have ended it with "help" lol... I can see where that can make this go horribly awry.
Addressing the issues... I get that, and doing so has gotten me to where I am now with credit (please see my above reply) and nowhere with them.
I think perhaps, some of us.... tend to forget that we all started somewhere and for many it was not at a 27k limit with discover, you grew to that, so there had to have been something in YOUR PROFILES that kept you from that to start out with.
Aside from the very straightforward and obviously bias remarks, the information that you guys have provided is worthy of note Smiley Happy
Message 33 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...


@satasat360 wrote:

 I started my discover with 750 credit limit in Jan 2014 and I tried for CLI every 3 months for an year and only got an 250 increase after a year. Then I got an auto CLI of 4k in 15th month and there started my CLI train and I got 1k, 1.5K, 3k, 4.5k and 6k Increases every 1.5 to 2 months and now I'm at 21k CL which is my second highest. So it will grow eventually and patience is the virtue.


 

 

Now THIS... is what I'm talk I talking about... while I don't expect my story to be this exactly, I'd like to see it at some point lol. I am patient. I had to be that way with ithers..

Message 34 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...


@Anonymous wrote:

i guess patience helps with discover. i got a 500 increase after 90 days. i love their customer service , efficient and polite. i have heard people getting good clis after showing good history with them for an year or so. i guess its about building trust with them. just keep paying on time and use it wisely , may be soon you will see an increase. i have had the urge to ask for clis a lot and then when i question myself , i actually dont need it and whatever limits i have had are sufficient to get my needs met. its a kind of pleasure addiction in many cases to get more money available even if we dont need it. and sometimes we compare ourselves with others. i guess as long as our needs are met perfectly (the things that we really need , not the things we want to hoard because of instant gratification , hehe) and we are not lost in debt , then we are in true abundance !


You... you I love! I think you get what I'm saying Smiley Wink that's it. .. and you're right.. it's not necessarily something I need... but well it would be nice to see it.. I'm quite fine where I am credit wise...

Message 35 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...


@beautifulblaquepearl wrote:

@Anonymous wrote:

Both my friend and I failed to get CLI after hitting the button last week. I didn't care much because because my CL is decent, but she is kind of in your situation, as she was originally approved only for $500. She's gotten two auto increases in the first few months holding the card, albeit tiny and her limit is still under $1000. Since it was over half a year after the last auto increase and she's been using the card and PIF every month, I thought  she'd definitely get an increase after hitting the button. Guess what, she didn't. Mind you, both of us have very good credit, no negatives, her low limit was because she had no credit at the time. In the meantime she's gotten Freedom with a very good CL, one more reason that made me believe Discover would approve her CLI, but that didn't matter either apparently. So I don't know why some people get CLI like candy from Discover, but there are others who are probably in a better sittuation than you credit-wise, like us for example, and still get no luv from them.


I'm in the same boat.


 

 

My point....

Message 36 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...


@beautifulblaquepearl wrote:

@lg8302ch wrote:

Patience, patience, patience.... I had to wait 18 months for my first CLI with Discover.  Smiley Happy Just use your card, PIF and after each statement try for a CLI.....one day you will get there as well.  Remember credit is a marathon and not a race Smiley Happy  ... so just hang in there and use the card responsibly. Do not sock drawer the card out of frustration if you expect it to grow. I would also recommend to let the balance report at least every other month.  Not a constant 0 balance reporting.  Hit that luv button after each statement. Good luck!


+1


 

 

I'll try it... thanks....

Message 37 of 49
dk2003
Regular Contributor

Re: disgusted with discover!!! help...


@Anonymous wrote:

dk, You do not need to apologize. People seem to get a little snippy in their responses to these sorts of questions. It is very easy to forget that most of us have been in similar situations at some point in our journey. It is also easy to forget that many of the regular contributors on this board have used this forum to blow off some steam when frustrated by credit issues.We should be more understanding when others do the same!

 

You absolutely do not need to close the account down, unless you are simply tired of dealing with it.

 

Now, it has long been noted on here that Discover's SL and CLI behavior is harder to predict than most. It has also long been noted that there seems to be a different response to certain customers (i.e. those given a $500 SL). Many have reported that it is like pulling teeth to move from this initial limit. Still, time and patience will win the day. So don't get discouraged...just stay the course!

 


 

 

THIS was obviously a touchy subject... thanks for your kind words... even the more aggressive responders have good points as well... 

Message 38 of 49
joltdude
Senior Contributor

Re: disgusted with discover!!! help...

I'm a little dissapointed with some of the responses to the op's situation.. There's a lack of apparent empathy, and the OP seems far from behaving "entitiled" to a CLI..

 

It seems like his ability to obtain and get approved for CLI's is in gridlock... Its fustrating, annoying, and can really get on your nerves, esp if you have done significent work on your credit profile... 

 

That said.. 

(the other side)

Discovers 500$ approval.... is like Amex's.... When you originally apped.. there was something they didn't like.. and (this is an opinion mind you).. You just squeeked by on the approval... But... it really sounds like youve come a long way since... Know what your real scores are now?......Also how recently did you open it? You do have to wait a bit for your first CLI with Disco... Esp with the slightly iffy approval.. Some have said 90 days, some have said 6 mo....They dont believe in a CLI on opening... 

 

Some options... Rinse and Repeat (use it heavy and PIF)..... If your score has significently changed... Perhaps im overlooking you mentioning it... Did they offer you a CLI with an HP?,  If your scores are in the mid-high 700s... would it be worth cancelling card and reapplying in 30 days..... possibly less... 

 

Another option.. could barely use the card and mostly SD it for a few months... And try again on the CLI with the button........

 

Id give it another year personally.. and if nothings moving.. Close it and reapp...t reminds me too much of a Cap One card that was bought out and not originally issued by Cap One... ....

 

Im starting to really be dissapointed in some folks around here.. Sometimes we all need some tough love but theres also a blame the victim here..

 

-J

Message 39 of 49
Anonymous
Not applicable

Re: disgusted with discover!!! help...

Be happy you got discover. I think discover hates me. I have cards from capital one chase Barclay and Amex and some other store card with lowest limit being 1000 and highest being 25k and I still can't get discover 

Message 40 of 49
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