- Centurion Member
- Posts: 362
- Joined: Wed May 30, 2012 8:10 pm
- Location: Baltimore
While recovering from the sting of once again being told that Chase wants absolutely nothing to do with me (too many INQs), I decided to capitalize on the moment and get some CLI apps in before the Chase INQ from today hits my CR.
So I went to the Discover website as I recently paid off my $3400 balance transfer and asked them to off-cycle report for me. I saw on my Credit Score Tracker that the report hit today, so it was definitely time to take action.
The "Request Limit Increase" button was not on my main login page, as it hasn't been for me for quite some time. So I went into the online chat and the rep that helped me was knowledgeable and concise with the request. She also informed me that Discover pulls from Experian if a hard pull is required, which it was in my case. I told her the reason for my CLI request was that I wanted to transfer an installment loan balance of about $7000 to my Discover card. She told me at the end that my request required further review and that I had to call the backdoor line within 10 days to complete the request. For those interested, the Discover backdoor line that she gave me is 800-347-4856.
Not 5 minutes later I missed a call from that number. Surprised that they hadn't left me a voicemail (and expecting the worst), I called them back and sure enough they had approved my CLI request and bumped up my CL from $3400 to $7000! This is exciting for me because it's my first >$5k credit line and it just goes to show once again how valuable it is to me to have Discover in my corner.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13