Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

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

Recommended Posts


 

 

 

 

 

 

 

 

Decided to test Discover yesterday after 4x $2500 CLI's (last one June 8th). Got two day review message. 24 hours later... no response yet. Sitting at $19500. Curious to see what will happen. TU Fico 8 is 781.

72+ hours and no response of any kind. I'm somewhat optimistic since there wasn't an immediate no. Still curious.

With that current CL - I'm curious to know if Discover will ask for income or employment verification

They haven't asked for anything. The request either fell through a crack or they are doing some kind of manual review. Message said typically 1 -2 business days. It's been 3 business days if you don't count the day of request. Now I wait the weekend out.

If you did not receive a call from them or if they did not increase the limit, then expect a letter from them with the decline reason "insufficient experience at the current limit".

This!!

I just received one of these in the mail yesterday.

I call them my Discover (No) Love Notes

Share this post


Link to post
Share on other sites

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

You mean there's hope for my no-pull Disco Miles card, approved with a $1k limit? :swoon:

 

Congrats!!!!!!!!!!!!!! :rofl: :rofl:

Share this post


Link to post
Share on other sites

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

My kid also got $500 @ 91 days from card approval. Edited by dilligaf

Share this post


Link to post
Share on other sites

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

Seems like standard.

 

SP or HP?

Share this post


Link to post
Share on other sites

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

 

You received a $500 CLI? Why are reporting back in a few days?

 

Congrats if you got one :good:

Share this post


Link to post
Share on other sites

 

 

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

You received a $500 CLI? Why are reporting back in a few days?

 

Congrats if you got one :good:

Bet that a phone call to persuade it higher is in order :clapping:

Share this post


Link to post
Share on other sites

 

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

 

You received a $500 CLI? Why are reporting back in a few days?

 

I always wonder why you want to take responsibility for my actions?

Share this post


Link to post
Share on other sites

Discover More CLI from $19k to $24k ~ 2 weeks ago. Soft pull and instant via the luv button. Light usage and had been at $19k for about 1 year. :good:

Share this post


Link to post
Share on other sites

OMG!!!!!

 

I hit the luv button a few days ago and got the 2 day message.

 

I got bumped from $7,500 To $12,000!!!!!!!!!!!!!!!!!!

 

My next highest unsecured line is $6,600. I'll go back and find my post of when my last increase was.

 

 

Oh my! Disco is now my highest limit not counting my $10,000 secured card. Another $1,500 CLI today to $7,500!

Approx 60 days ago.

Edited by pwd847

Share this post


Link to post
Share on other sites

OMG!!!!!

 

I hit the luv button a few days ago and got the 2 day message.

 

I got bumped from $7,500 To $12,000!!!!!!!!!!!!!!!!!!

 

My next highest unsecured line is $6,600. I'll go back and find my post of when my last increase was.

Sorry but congrats!!!! That's a good limit to enhance/leverage your profile going forward.

Share this post


Link to post
Share on other sites

OMG!!!!!

 

I hit the luv button a few days ago and got the 2 day message.

 

I got bumped from $7,500 To $12,000!!!!!!!!!!!!!!!!!!

 

My next highest unsecured line is $6,600. I'll go back and find my post of when my last increase was.

 

 

 

 

 

Oh my! Disco is now my highest limit not counting my $10,000 secured card. Another $1,500 CLI today to $7,500!

 

Approx 60 days ago.

Awesome!!!! After this posts, time for CLI's across the board

 

Was it a soft?

Share this post


Link to post
Share on other sites
Awesome!!!! After this posts, time for CLI's across the board

 

Was it a soft?

I Don't think I am eligible for CLI's on my other cards yet. Most of them were opened on April 14th.

 

Yes it was a soft.

Share this post


Link to post
Share on other sites

 

Just a quick update: 91 days = $500 CLI. I'll report back in a few days.

Seems like standard.

 

SP or HP?

 

 

Yes, soft. My 500 dollar CLI is in line with the original luv button glitch.

 

You received a $500 CLI? Why are reporting back in a few days?

 

Because I'm going to ask for a CLI on day 108. I'm also calling this morning to see if I can't up the 500 dollar CLI.

Share this post


Link to post
Share on other sites

 

Awesome!!!! After this posts, time for CLI's across the board

 

Was it a soft?

I Don't think I am eligible for CLI's on my other cards yet. Most of them were opened on April 14th.

 

Yes it was a soft.

October it is :)

Share this post


Link to post
Share on other sites

OMG!!!!!

 

I hit the luv button a few days ago and got the 2 day message.

 

I got bumped from $7,500 To $12,000!!!!!!!!!!!!!!!!!!

 

My next highest unsecured line is $6,600. I'll go back and find my post of when my last increase was.

 

 

Oh my! Disco is now my highest limit not counting my $10,000 secured card. Another $1,500 CLI today to $7,500!

Approx 60 days ago.

 

Felicitations!!! :yahoo:

Share this post


Link to post
Share on other sites

61 day CLI test - just received the "insufficient experience" letter via snail mail.

Try again in a few days. I got my last line increase right around that timeline.

Share this post


Link to post
Share on other sites

 

At this time, we cannot increase your credit line.

Oh well!

Last of 4 "glitch" increases was on 6/3

Account hit one year on 7/15

Current limit 6750.00

Last new account 3/15 (citi premier 6200 now at 7600 for good behavior)

Clean 730 to 741 ficos

Highest Limit 9k AMEX BCE

Share this post


Link to post
Share on other sites

 

 

Day 22 since a new Discovery IT card was opened & the first day after first statement was generated... and we clicked the luv button. Yeah, I know ubercat already is GP'ing this for new accts but figured there was nothing to lose.

 

Results:

At this time, we cannot increase your credit line.

However, you can make another request at a future time. You will receive a letter in 3-5 business days that will detail the reasons for this decision.

 

Not surprised. :rofl::grin:

 

It's good to have confirmation. :)

 

I have the 46th and 47th due in a few days.

 

Good luck! We won't try again until at least 16 more days. :rofl:

 

 

Tried again today. Credit increase approved!! From $1,500 ---> $2,500.

 

Account has been open for approx 92 days (assuming I counted correctly). Should we try again in another 90 days?

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By MarvBear
      A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.
       
      I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We truly appreciate your participation.
       
      Amazon (store card): see Synchrony (GE)
      AMEX:                      (Oasis Program)
      AMEX: 866-314-0237 (new app status)
      AMEX: 800-582-6471 (recon with frozen EX for pin)
      AMEX Business charge cards - (877) 399-3083
      AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)
      Barclays: 888-232-0780 (Customer Care)
      Barclays: 866-408-4064 (Credit Analyst)
      BBVA Compass Bank: (American Express Card issues only) 866-246-2924
      Best Buy: 877-420-0001
      Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)
      BofA: 888-260-4696 (secured accts.)
      BofA: 800-824-5895 (secured & partially secured accts.)
      BofA: 800-881-4730, 866-226-8225, 800-247-7975 (Credit Analyst, existing accounts only)
      BofA: 866-618-4585 (Sr Credit Analyst)
      BofA: 704-386-5687 (Office of the CEO)
      BofA: 888-500-6270 (Credit Dept. Fax)
      BofA Business: 877-665-5023 (Analyst/UW)
      BofA Business: 877-665-5023 (New applications)
      BofA Business: 800-442-1043
      Cap1: 800-625-7866 (Account Specialist)
      Cap1: 800-951-6951 (cust. relations)
      Cap1: 800-548-4593 (application department; status)
      Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
      Cap1: 877-513-9959 (Account Retention?)
      Cap1: 800-258-9319 (Debt Recovery)
      Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
      Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)
      Chase: 800-432-3117 (App status)
      Chase Personal CC Recon 888-270-2127
      Chase Business CC Recon 800-453-9719
      Chase: 800-453-9719 (Business card lending)
      Chase: 888-622-7547 (Chase Executive Ofc. in IL)
      Chase: 800-955-9900 (Product change status questions)
      Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
      Chevron/Texaco Biz Card App Status: 888-243-8358
      Citi: 800-645-7240, 800-288-4653 (Citi Business)
      Citi: 800-750-7453 (Business)
      Citi 888-201-4523 (Personal)
      Citi: 718-248-0847 (EO)
      Citi: 800-695-5171 (New Accounts UW)
      Citi: 605-331-1698 (EO - CC division)
      Citi Credit Bureau Dispute Fax: 866-713-5028
      Comenity: 800-303-1368 (Consumer Relations - Recon)
      Discover: 888-676-3695 (New Accounts)
      Discover: 866-305-7691 (Direct Line TO CS)
      Discover: 866-222-0536 (EO)
      Elan: 800-364-9648 (CC underwriting, business and personal)
      Equifax: 800-846-5279 (Direct to Rep)
      Equifax Executive Office 404-885-8000
      Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
      ExxonMobil Biz Card: 800-903-9966
      FIA: See Elan
      FNBO: 800-444-6220
      GEMB: 877-294-7541 (escalated help desk)
      Haverty's/Sync: 800-333-1082
      Home Depot Store Card: 800-677-0232 (Credit Analyst)
      Home Depot Store Card: 423 467 6957 (App Status/Recon)
      Home Depot MC (Commercial): 800-720-0649
      Home Depot: 800-685-6691 (Commercial)
      Hooters: 801-545-6705, 800-850-4668
      HSBC: 866-574-4421 (App Status)
      HSBC: 866-719-3897 (Credit Analyst)
      JC Penney: 800-542-0800
      Juniper: 866-408-4064 (Credit Analyst)
      Juniper/Barclays: 866-750-6031 (Corp. Offices)
      Key Bank: 888-201-4523 (App status)
      Key Bank: 800-254-2737
      Key Bank MC: 800-288-4653
      Key Bank Credit Research Fax: 216-357-6400
      Lowes: see Synchrony (GE)
      Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
      Macy's: 800-543-9617 (Recovery Services)
      Marvel: see Synchrony (GE)
      Meijers MC: 801-517-5560
      National City: 800-762-0974 (Credit Dept.)
      Nationwide Visa: 866-757-2720 (App. status)
      Nordstrom: 800-964-1800 (CLI)
      Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)
      Philips 66: 866-289-5630, 800-610-1961
      PNC Bank: 800-762-2117 (Business CC)
      PNC Bank: 877-562-0150 (Business UW)
      Sam's Club: 800-301-5546 (Underwriting)
      Sears: 800-599-9710 (App status)
      Shell Fleet Card: 800-223-3296 (App status)
      Shell: 800-223-3296, 866-438-7435
      Shell: 800-377-5150
      Staples: 800-767-1291, 800-282-5316
      Sunoco Corp. Card: 800-935-3387, 800-278-6626
      Sunoco: 800-310-4773
      Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
      Synchrony (GE): 800-588-4290 (Consumer)
      Synchrony (GE): 877-379-8175 (Sr UW)
      Synchrony (GE): 888-885-6937 (Verification)
      Synchrony (GE): 800-333-1082 (Haverty's)
      Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)
      Target Biz Card: 800-440-5317
      Tiffany: 800-770-0800
      Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
      Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)
      USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
      US Bank: 800-685-7680 (Underwriting)
      US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)
      Valero: 877-882-5376
      Walmart (Sync): 877-379-8175 (Sr UW)
      Walmart (Sync): 877-969-5302 (Verification)
      Wells Fargo: 866-677-1128 (CC Executive Office)
      Wells Fargo: 844-576-6424 (Executive Office)
      Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
      Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
      Wright Express: 888-743-3893   
       
    • By Jeff15
      I got some help previously about opening new accounts, but I was curious more about the impact and possible ramifications. I only have 1 credit card in my name, and it only reports on Experian and TransUnion. The rest are AU cards. I have 8 accounts on Experian and TransUnion and AAoA of about 21 years. My Equifax report is a bit thinner. I pulled CCT, and I'm at 777 EX, 782 TU, and 789 EQ. I have been thinking about about a PenFed credit card and an AMEX revolver. I also may be cosigning a small student loan. I'm not certain on this yet, but it's a possibility. I know that this will cause a score hit of some sort (drop in AA), but I'm not sure how severe. I was thinking about forgoing PenFed and just doing AMEX, but I can't make up my mind. Can anyone give me some insight? I would like to avoid permanently damaging my report in some way. I don't know if 2 cards in such a short time is too much. I appreciate any help.
    • By StarkRaven$
      My Amex Everyday Card Preferred sign up bonus pts were added to my card yesterday. The sign up bonus for at least $1K spend within three months is 15K additional points. It's on their website and I confirmed it with Amex over the phone. In the fine print bonus pts will not increase or apply to 50% more pts if you make 30 or more purchases within a statement period. They added 25K pts instead! I'll gladly take the extra 10K pts. Just hope they don't correct later.  Has that ever happened to anyone before?
       
      DESCRIPTIO     AEDP $2k Spd/25k MR Pts These points have been added because of an offer or qualifying purchases made.
    • By aroberson
      I recently have been working on getting my credit score higher and also want to have $100k in available credit (maybe a dumb thing to do).  In doing so I have gotten about 6 new credit cards in the past 6 months.  All of them have zero balance, about $30000 in available credit, I recently noticed my equifax dropped 16 points.  I assume this is from the inquiries and new accounts?  avg account age is 2yrs 8 months.  Should I close any of the new accounts to increase my credit age?  Or just be patient and wait for the accounts to age and the inquiries to age.
       
      I am looking to buy a car next year, and maybe refinance my mortgage, and really want a 750+ score before I do so
    • By StarkRaven$
      I booked a RT flight from San Diego to Hayden, CO on the Alaska Air website a month ago for Feb travel. I did not use any points. Total cost was $337.30. Today the same flight from the Alaska Air website is $468.
       
      On the Amex Travel booking site the same Alaska flight is $720. I realize I can earn more reward points with Amex going through their travel site but the cost is too expensive.
       
      I only travel twice a year and it's usually to visit my brother in Steamboat Springs.
       
      Am I missing something here? Could someone explain or direct me to post on CB.
       



  • Member Statistics

    • Total Members
      179,604
    • Most Online
      2,046

    Newest Member
    datboykahn
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines