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Discover luv button fixed: Your credit line has been increased.

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Been almost 8 months since my last CLI with Disco. Decided to smack the button a couple of days ago -- denied.

 

I just logged in and saw that they slashed my CL from $13k to $5900 :angry: The only thing that's changed recently is my wife's new Amex (for which she'd added me as an AU -- different discussion) reported.

 

ETA:

  • I'd intended to say that I'm wondering if mashing the button triggered an AR?
  • I just got off the phone with the CSR, and she couldn't tell me what was going on (after 10 minutes of me trying to continually explain to her that I'm asking why my CL was slashed, not for a rundown of what all I'd been spending on). She gave me the number to "Portfolio Verification" to call tomorrow, since they're already closed for today.
Edited by clc222

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My last CLI was 4/11/17 and I'm still over 700 and no love at all. Just not enough experience, blah, blah, blah. I guess I should feel thankful I moved from 800 to 2,200 before they stopped giving any love.

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Been almost 8 months since my last CLI with Disco. Decided to smack the button a couple of days ago -- denied.

 

I just logged in and saw that they slashed my CL from $13k to $5900 :angry: The only thing that's changed recently is my wife's new Amex (for which she'd added me as an AU -- different discussion) reported.

 

ETA:

  • I'd intended to say that I'm wondering if mashing the button triggered an AR?
  • I just got off the phone with the CSR, and she couldn't tell me what was going on (after 10 minutes of me trying to continually explain to her that I'm asking why my CL was slashed, not for a rundown of what all I'd been spending on). She gave me the number to "Portfolio Verification" to call tomorrow, since they're already closed for today.

 

 

I finally got a note from Disco this morning (it was dated Aug 27 -- the day after my statement cut) saying they'd done an AR. Their reasons for the CLD was:

 

- Increasing balances on existing cards

- Payments too small

- Inquiries

 

I don't believe the "inquiries" BS, but I have been floating some 0% BTs with them for about 6 months. They get minimums, while the rest goes to paying off another card with > 0% APR.

 

I think the real problem is that the wife's Amex suddenly showed up on my reports w/50% util this month (and dropped my EX FICO8 by 4 points). I never asked to be an AU on that card anyway, and I've since been removed. Now I have to fuss with the CRAs to get the account removed this weekend.

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Been almost 8 months since my last CLI with Disco. Decided to smack the button a couple of days ago -- denied.

 

I just logged in and saw that they slashed my CL from $13k to $5900 :angry: The only thing that's changed recently is my wife's new Amex (for which she'd added me as an AU -- different discussion) reported.

 

ETA:

  • I'd intended to say that I'm wondering if mashing the button triggered an AR?
  • I just got off the phone with the CSR, and she couldn't tell me what was going on (after 10 minutes of me trying to continually explain to her that I'm asking why my CL was slashed, not for a rundown of what all I'd been spending on). She gave me the number to "Portfolio Verification" to call tomorrow, since they're already closed for today.

 

 

I finally got a note from Disco this morning (it was dated Aug 27 -- the day after my statement cut) saying they'd done an AR. Their reasons for the CLD was:

 

- Increasing balances on existing cards

- Payments too small

- Inquiries

 

I don't believe the "inquiries" BS, but I have been floating some 0% BTs with them for about 6 months. They get minimums, while the rest goes to paying off another card with > 0% APR.

 

I think the real problem is that the wife's Amex suddenly showed up on my reports w/50% util this month (and dropped my EX FICO8 by 4 points). I never asked to be an AU on that card anyway, and I've since been removed. Now I have to fuss with the CRAs to get the account removed this weekend.

 

Sorry that happened but minimum payments and high util will get u AA.

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Sorry that happened but minimum payments and high util will get u AA.

 

Sorry, I didn't see this post yesterday :(

 

I'm over being mad at them. Honestly, I was more miffed at not being given any info on what was going on until 4 days after the fact. I understand why they did it now, so I'm over it. I'll rebuild it (after it, and several other cards) get PIF'd this month.

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7 months since last CLI just hit the luv button wait for it they offered $300 no thank u i declined it i would rather had the Foad letter than that offer. :angry:

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A few days ago, I clicked the link for a credit line increase. Got the 2 day review notice. Yesterday my phone rang with a toll free number that I didn't recognize. No message was left but I decided to google it and it was Discover. Has anyone else received a call from Discover after submitting a credit line increase? If so, what info were they looking for?

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A few days ago, I clicked the link for a credit line increase. Got the 2 day review notice. Yesterday my phone rang with a toll free number that I didn't recognize. No message was left but I decided to google it and it was Discover. Has anyone else received a call from Discover after submitting a credit line increase? If so, what info were they looking for?

 

This has been the result of my last two successful CLI requests. They wanted pay stubs to prove income and employment, which they seem to require for lines > $50,000.

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Has anyone else received a call from Discover after submitting a credit line increase? If so, what info were they looking for?

What is your current limit? Do you have two cards?

 

It could be simply verifying that you asked for an increase. I don't know why they do that but sometimes they do.

If you have two cards they may ask you if you really want an increase or if you want to allocate credit limit from one card to the other.

If you are near 50K on one card they usually ask for proof of income.

 

I'd definitely call them back. If they want docs and you don't want to send them that's okay. No harm.

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Has anyone else received a call from Discover after submitting a credit line increase? If so, what info were they looking for?

What is your current limit? Do you have two cards?

 

It could be simply verifying that you asked for an increase. I don't know why they do that but sometimes they do.

If you have two cards they may ask you if you really want an increase or if you want to allocate credit limit from one card to the other.

If you are near 50K on one card they usually ask for proof of income.

 

I'd definitely call them back. If they want docs and you don't want to send them that's okay. No harm.

 

ok, you hit one. I'm at 47k. Perhaps they will go to 50k with no docs. Thanks!

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They will. They will say something like "We can raise it to 53K with docs." If you ask them to just go to 50K without docs they will say "sure no problem."

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Tried again, 8 months since my last one. Got an increase +3000.

Now Disco is my highest limit card- passing NFCU, just barely, at $22300. Makes me think I should hit up NFCU. Only 5 months with NFCU. Seems only right to wait until 6 months. Wonder if it could be a soft pull. My credit's frozen.

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Disappointment on DW's Disco tonight. Checked online a/c and saw "time to ask about increasing your spending power" message.

 

Last request in Aug (11 wks ago) served up $500 (to $33k). Mistakenly thought new request would be a "slam-dunk". Denied, letter to follow. (Presume "insufficient experience")

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I got a $500 increase last week. I'm sticking to one request every 6 months, as they don't seem to give me anything more, due to my "insufficient experience" with my current line. Ya, right, I don't know how to manage a credit card with a $5K Limit. Whatever... I don't spend much on the card anyway. Maybe next year I'll try the 1.5% card with the double match (when my Alliant 3% runs out).

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Finally, for once in my life, Discover has given me more than a measly $500 increase. I was shocked. While it isn't a lot I am happy to have 1.5K more available credit. Finally up to 9K with them. Trust, I wish it were much more. Baby steps I suppose. :mellow:

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Got +500 after about 9 months with no movement.

 

Maybe they are getting the holiday spirit?

Spooktacular!

 

3 more posts and I think you win a prize!

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Got +500 after about 9 months with no movement.

 

Maybe they are getting the holiday spirit?

 

Spooktacular!

3 more posts and I think you win a prize!
One more and I have a spectacular palindrome.

 

Cue HoustonLynne

Edited by cv91915

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I Tried a CLI last month with Discover, I was turned down and gave them a call. Because I was 3 days late on one payment they would not allow a CLI. This morning I open my Email and "BAM" automatic 1K increase. They must know how many kids I have and its near Christmas.

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