- Posts: 2
- Joined: Thu Jan 22, 2015 4:35 pm
- Location: Seattle
I recently applied for a Discover It card and got a call from a representative who "wanted to get me approved by the end of the phone call." I already have a Discover Now student card with a $1500 credit line from way back, so the rep asked me whether I wanted to convert my student card into a Discover It card, or if I wanted a separate It card. I told her I'd prefer a separate card, and she told me that if I wanted a separate card, I'd have to split the credit line between my student and my It card (so basically $750 on each card). The rep told me based on my history and application, that I could not be approved for any additional credit line.
I decided to call the backdoor line, and I was told this time the reason that they could not approve me for a credit line on my Discover It card was because of "my past card usage."
Here's a rundown of my history/usage with Discover:
- Been a Discover member since 2008
- Never missed a payment
- Always paid in full
- Discover's own FICO score puts me at 789
- On average, I use about 30-35% of my credit line each payment period
Could someone please help me make sense of why I can't even get a $500 balance on a new card and that I'm capped out at $1500? Is it because I'm not maxing out my card each month? That seems kind of silly.
I'm so frustrated at this point, I'm thinking of calling retentions and saying that I want to close my Discover Now student card unless something happens with my Discover It. Did I miss something? Should I just concede and split the credit line/convert my student card?
Thanks in advance for any help.