I really should get over it

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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MemberSince99
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Postby MemberSince99 » Tue Jun 11, 2013 9:11 pm

On FICO you are bluesnowman, I have seen a few of your posts there.

I was thinking just so you aren't yellowsnowman :)

Yeah I like Discover for their CS as well, also their rewards mall and they do have nice rotating categories.

I think you really are on the right track. Which card are you thinking of, CSP? Or Amex Plat?


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Snowman
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Postby Snowman » Wed Jun 12, 2013 10:07 am

Yeah...I'm bluesnowman over there, somebody took Snowman, so I added blue to addition of my original username.

No, I'm not yellowsnowman, that would have reminded me of something unpleasant...lol.

Their reward mall is pretty good too, but I don't use it much. I put large purchases on Discover mostly, the rest go on my other cards.

Well, the thing is, I live in LA. And the 2 primary airlines out here are United and American. I can't stand United, and I'm not fond of American but they are better then United IMO. So I primarily fly either American, Delta, or Southwest, and anyone of those three cards would be good for me. When I stay at hotels, I usually stay at Marriott or Holiday Inn and on occasion in Sheraton's. The thing is, every issuer is different so I don't know if I would meet their criteria or not. I really would like the CSP, but I fear that my smallish income could prevent me from getting approved for it, and I definitely don't travel enough for the Platinum fee to make sense. I'm okay with annual fees, but only if I use it enough.The CSP would be good, but I fear I won't be approved for it right now, but I would like to take a try at the co-branded cards I mentioned and hopefully be approved for one or the other or both. Then I'd close my PRG and possibly one of my other cards since I want a CLI and I use my cards a lot. So if they aren't willing to give me a small increase I'll end up closing it. But I'll see in the upcoming months.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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t528491
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Postby t528491 » Wed Jun 12, 2013 12:57 pm

I feel your pain. I'm a little ticked at Discover right now. I thought I was getting shortchanged by not getting an auto CLI after 9 months, but my sister has been with them for 5 years and is still stuck at $1000. :confused: I still have to give them credit for approving me with such a thin file, but they don't seem to be competitive with their limits AT ALL.
[size=80]
02/12 Authorized user on Chase Freedom ($5000)
08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
Citi Forward for Students 6/13
American Express Blue Cash Everyday 1/14
Sallie Mae World Mastercard 2014
Chase Freedom 2014
Penfed Platinum Rewards Card 2015[/size]

MemberSince99
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Postby MemberSince99 » Wed Jun 12, 2013 7:05 pm

t528491, I feel your pain. If they ever change their views on limits, I'd love to do business with them again. Until then it probably won't happen.

Snowman Chase has the Southwest card which might be good for you, for now, and I bet with time you can get the CSP. I'm not sure what their income requirements are for it, my guess is like you are thinking probably higher than the Freedom but maybe that would work and maybe they would PC it for you down the road?

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Postby Sevenfeet » Wed Jun 12, 2013 7:33 pm

Discover is quite the conservative, but inconsistent company, at least from where we sit. But it's not worth stewing over it. Move on.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

MemberSince99
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Postby MemberSince99 » Wed Jun 12, 2013 7:34 pm

Seven how did your Amex double CLI go? I saw it on FICO and tried to catch it later but didn't catch the result and was curious if you got it?

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Snowman
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Postby Snowman » Wed Jun 12, 2013 9:37 pm

Member- Yeah that is what I am thinking. Again I'm worried as it is a Visa Signature card, that they won't approve me. But I think I have a better chance of getting approved for a co-branded card as opposed to a Chase card like the CS or CSP. That could be a possibility as well. Ideally, I would like the Southwest or AA card, along with the Marriott Premier or Marriott Rewards. And maybe the SPG, since I hear the transferability is really good. The way I do airline tickets is this: Usually I go by fare and the flight times. If it fits my budget along with the travel times, then that is the ticket I buy. Lately, I have been going with American a lot, but I also like Delta and Southwest. Hotel wise, the three I mentioned are the ones I stay at often when traveling.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

MemberSince99
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Postby MemberSince99 » Thu Jun 13, 2013 7:50 am

Userofcards wrote:I don't get it. You opened a Discover two or three years ago with a 5.5k limit - Bigger than your AMEX BCP, your Chase Sapphire Preferred, a barclaycard account you opened and closed, et cetera. You then closed the card within a short period of it being open because they didnt increase your credit limit. Then within you opened another discover account - 4.5k limit - but closed that after not even six full months, again because the limit was too low (though it seems competitive with at least some of your other limits) and within a month or two after closing that account, you open another but only get a 3k limit, and then you instantly close it.

I don't see that Discover is the one behaving oddly here. Perhaps you are getting lower limits because you are consistently opening and closing accounts with Discover (and other issuers: you had a Chase Freedom, USBank Cash+ and an AMEX that you opened and closed in short time). Perhaps Discover thinks you are only interested in sign-up bonuses or 0% APR specials or perhaps people who open and close accounts are seen as riskier (even if their FICO is excellent).

As for your idea that discover doesn't "like" people who Pay In Full: While they may love people who pay interest, I am skeptical that they "dislike" customers who pay their bill fully each month (unless perhaps those customers only buy stuff in the 5% rotating categories). I've had discover for many years, I've always paid in full each month (never paid a penny in interest), and I have had no problem getting a competitive credit limit (Discover was my first card to reach 5k limit), an APR reduction (Thankfully APR isnt relevant to me, but I simply called and they reduced it!) and a credit limit increase when my income and spending increased. Perhaps Discover is more friendly toward people who carry a balance than other issuers and perhaps discover is less likely than other issuers to give 10k+ limits. But it is certainly possible to use discover, pay in full each month, and have a credit limit that is more than sufficient for one's spending level.

But I suspect your troubles getting a bigger CL (and again your first Discover limit was 5.5k, greater than Chase Sapphire and Freedom, Barclays, AMEX BCP so I'm not really sure how discover is different in this regard) have less to do with who they "like" and more with your pattern of opening their card and closing it in less than a year. I suspect that if you had kept your 5.5k More card and used it consistently, Discover would have increased your limit had you called and asked. Maybe they would have pulled a credit report. But as you've opened/closed them three times in the last few years and other issues quite often as well, so you don't seem adverse to credit pulls.

Finally, you say you don't "get" how your profile supports only a 3k limit while some other myfico poster has a 6k limit. Perhaps that poster has a bigger stated income or perhaps Discover's algorithms see that you have around 50k in available credit. Perhaps if your income isn't ultra-high Discover is concerned. Perhaps Discover feels customers with a lot of available credit compared to income are riskier customers.

Despite your endless complaints about low Discover limits, your initial 5.5k limit with them is higher than what several other issuers are giving you. And despite your endless complaints that Discover won't "grow" with you, you have closed their card before giving them much chance to increase your limit.

Anyway so what. Discover didn't "wrong" you in any serious way despite your talk of being "galled" and elsewhere of being "insulted." If you dislike the card, simply use another one of your many cards. No big deal. These incessant and hyperbolic posts about Discover are harder to read than the "gardening" posts that draw so much ire.


Didn't even see this before. Probably just as well.

If Discover treats you great, more power to you. Discover doesn't offer sign up bonuses that I'm aware of. I never got any. As far as the sign up bonus goes, when I closed the Chase Freedom, I left it on the table, and I left 80 bucks worth of rewards on the Cash +. The rewards are nice, but it isn't the main reason I use these cards and I never sign up for a card simply for a sign up bonus.

Discover could have, would have, might have done anything, I mean we can sit here and speculate oh if I'd have done this maybe they would have done that, but you know what it's about as useful as speculating where we'd be today if we would have bought the right stock 30 years ago.
Me I wouldn't expect much out of Discover, which is why I don't carry them anymore.

Again I would say if they've treated you well, great, enjoy your Discover, they have decent rewards great CS and the best online shopping mall. As far as limits for some of us, they suck. It's just a fact no matter how much you hate it that I point that fact out.

And as far as you not liking my posts, if they bother you that much, may I ask WHY THE HELL DO YOU READ THEM? I don't care for Fox News, so do I do like you and go read them anyway just to get annoyed? Nope. No one is forcing you to read. It's like the doctor when you go and say it hurts when I bang my head into the wall - he says why do you keep banging your head against the wall then? Good question.

You are free to ignore me. Have a great day and enjoy your Discover.



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