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Where you can talk about store credit cards, like gas station cards, department store cards, etc.
popamode72
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Postby popamode72 » Thu Nov 27, 2014 8:29 pm

MB131174 wrote:Call. Don't rely on the website. I have $15,000 CL cards and Discover started me off with 2K. Website wouldn't let me, so I called. They approved 2.5k. I asked if they could reconsider 3k. Guy put me on hold and came back and said "yes, I will do 3k for you". Call. It may be worth it, and don't take the first "no" for an answer.


Okay. By website, I meant just their online chat because their CLI link never worked for me. It would always give me some kind of error message. I recently tried that option again so I'm not sure if the CSRs would be willing to help me do one over the phone right now.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)


MB131174
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Postby MB131174 » Thu Nov 27, 2014 8:42 pm

popamode72 wrote:Okay. By website, I meant just their online chat because their CLI link never worked for me. It would always give me some kind of error message. I recently tried that option again so I'm not sure if the CSRs would be willing to help me do one over the phone right now.


Go for it. In my best telethon voice "CALL NOW!"
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popamode72
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Postby popamode72 » Thu Nov 27, 2014 8:44 pm

MB131174 wrote:Go for it. In my best telethon voice "CALL NOW!"


Okay. I'll try. My 7th statement generates tonight.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby MB131174 » Thu Nov 27, 2014 8:50 pm

popamode72 wrote:Okay. I'll try. My 7th statement generates tonight.


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popamode72
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Postby popamode72 » Thu Nov 27, 2014 8:55 pm

MB131174 wrote:Cry if you feel it's necessary


No luck there either. I can understand more if my card was like a 1 month old or something like that but with all the spending (over 2000 dollars since I've gotten it) I've put on that card and everything, it's really frustrating to not even be able to get a measly 500 dollar increase on it. I've heard a lot about people SDing the card, not using it anymore and paying any balances that are on the card and having Discover contact them for an increase. I think I'll try doing that.

I'm just gonna accept that Discover right now is the most conservative issuer that I have done business with at this point. Amex has been the least conservative by far when it comes to the prime lenders.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Vattené
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Postby Vattené » Thu Nov 27, 2014 9:20 pm

I would be just as frustrated if I were you. I would think consistently putting four times the CL through the card a month should warrant an increase. You've certainly proven your ability to repay more than $500! They were much more generous with me when I called for a CLI probably about 4-5 statements in.

I think SDing it would be your best bet, as long as you don't mind using your other options to accumulate rewards. Anecdotally (as is always the case), Discover seems to be much more willing to work hard to regain a customer's loyalty than they are at keeping the already loyal ones. I recall people reporting such luck with CLIs, too. There was a thread on here a while back about them offering huge promotional cash back offers to people that hadn't used their cards much to entice them into putting much more money through it.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

popamode72
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Postby popamode72 » Thu Nov 27, 2014 9:26 pm

Vattené wrote:I would be just as frustrated if I were you. I would think consistently putting four times the CL through the card a month should warrant an increase. You've certainly proven your ability to repay more than $500! They were much more generous with me when I called for a CLI probably about 4-5 statements in.

I think SDing it would be your best bet, as long as you don't mind using your other options to accumulate rewards. Anecdotally (as is always the case), Discover seems to be much more willing to work hard to regain a customer's loyalty than they are at keeping the already loyal ones. I recall people reporting such luck with CLIs, too. There was a thread on here a while back about them offering huge promotional cash back offers to people that hadn't used their cards much to entice them into putting much more money through it.


I didn't mean per month though. Sorry for not being clear. It's just the total amount I've put on the card since I've had it considering all the swipes I've made according to the spending analyzer. It's telling me $2079 and that my average spend on it has been around $260 a month. It was definitely a card that I used regularly and probably the most outside of my Citi Forward card though. I often paid bigger bills with the card too.

Another thing the spending analyzer is telling me is that my highest amount that I've put on the card in a single month has been $419 and that was back in July.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Vattené
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Postby Vattené » Thu Nov 27, 2014 9:35 pm

Whoops! I see! That's certainly not as ridiculous then, but I still can't blame you for being frustrated with them. $500 is a toy limit, and you've proven you can manage that responsibly. You've got a solid FICO and several other cards with higher limits.

I'm in what we've deciphered (as best as we can) is their target market of people using Discover as their go-to, all-purpose card. It was my first prime card and I put all my spending I could through it. I still feel like they were generous with me on my first request because I wasn't spending near my CL each cycle, but I was also making them a lot of money.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

popamode72
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Postby popamode72 » Thu Nov 27, 2014 9:37 pm

Vattené wrote:Whoops! I see! That's certainly not as ridiculous then, but I still can't blame you for being frustrated with them. $500 is a toy limit, and you've proven you can manage that responsibly. You've got a solid FICO and several other cards with higher limits.

I'm in what we've deciphered (as best as we can) is their target market of people using Discover as their go-to, all-purpose card. It was my first prime card and I put all my spending I could through it. I still feel like they were generous with me on my first request because I wasn't spending near my CL each cycle, but I was also making them a lot of money.


Yeah that seems really plausible. I have a different take on cards and I love being able to have a variety of issuers to do business with and having relationships with, especially if something bad were to happen to one issuer I have plenty of alternatives ready. I've even opened up a checking account with US Bank recently and plan on seeing if that will help me get in with them sometime in the future. Amex and Chase have been my biggest favorites thus far. I can certainly understand why some people really feel a lot more comfortable having just one or two issuers to deal with.

In short, Discover right now probably wants to be the only card in my wallet and is just mad that I have other cards kinda like having an obsessive girlfriend or something.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Vattené
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Postby Vattené » Thu Nov 27, 2014 9:40 pm

I made another request a month or so ago, but didn't get any love. Coincidentally (honestly), I also happened to apply for my Amex shortly after that. I still use Discover, but my spending is now split between two cards...I might be on their sh*tlist soon myself :ppp

I was only using Discover because it was just my first and I was getting more comfortable putting all spending through credit cards. I went for the Amex to try to start optimizing rewards, but I did enjoy only having one credit card bill to keep track of and pay.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now



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