"Approved...CL Increased Because Of Balance Transfer $ Needed "

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Written by: jofunk on 2012-09-18

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jofunk's review: Tried the online application twice and customer service couldn't find my application so they sent me to another department to take my application over the phone. After taking my information they sent me to another department to review my application. The rep had my credit report in front of her and she asked questions as needed to clarify. It was nice to talk to a human while they were looking at my report... She informed me that I qualified for a CL of $4000, but I explained that I was hoping for $9000 to do a balance transfer from a BOA high APR Gold Option Loan. She said that she would input my request but I would still only qualify for $4000. She submitted my balance transfer request and then surprisingly, to her and I, the system increased my CL to $10k! She informed me that I would receive my card in 1 week.

CL $10k
APR 19.99 (surprisingly high)
Balance transfer fee 3%
18 mo interest free on balance transfers
EX 768 EQ 768 TU 777
5 inquiries. 2 from recent credit apps (decline from Amex and approved for citi Forward)

6 Comments

Comment 1 by finance globe
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-09-18

Awesome and congrats! Speaking with someone made all the difference! Enjoy that BT, but make sure you get the 3% fee back by paying this off before the end of the deal!
Comment 2 by cfmdev49
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-09-19

Discover and Amex are my 2 favorite cards...plus another great thing is the Discover and Amex web sites are really nice...they give you a lot of info about your account and how your rewards are adding up...and you never feel like your getting nickeled and dimed by them...so welcome to the Discover family...
Comment 3 by mrrob
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-09-20

Congrats on that card
Comment 4 by creditcardaddict
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-09-20

Fantastic!! I have applied but was denied.... (long story). I'm currently gardening and paying my debt off to apply for the credit card I've desired Chase Sapphire. Enjoy your Discover card and go show it off hahha
Comment 5 by creditcardaddict
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-09-26

HEY!! which credit bureau they pull when you applied?
Comment 6 by jofunk
Re: Approved...CL Increased Because Of Balance Transfer $ Needed on 2012-10-03

CCAddict - Experian.
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