Consumer complaint received 2018-02-09
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is not a complaint per se but a concern of a loyal Discover credit card customer. In XX/XX/XXXX, I was fortunate enough to have gotten an approval from Discover for a small limit of {$1000.00} between that time to now, I have only received a small increase to where it sits now at {$2300.00}. This card was or used to be my daily card which I used the most as I really like the ease and straight forwardness of the application which makes it easy for me to stay on top of my finances. Fact of the matter, I even opened a checking account with Discover Bank so that I can budget and pre-allocate money to ensure that I pay my Discover bills on time, as I hardly keep a balance on the card. Since XX/XX/XXXX, I have reached out to Discover and have asked them if I could request for an increase, and was turned down each time stating " Insufficient Experience with Current Discover Card Credit Limit '' which is vague to me since in the last year since having the card, I have used, spent and paid them a total of {$3000.00} on the card, you will see that on the documents I have enclosed for your review. I guess what I am trying to understand is, if the spend that I have put in the card is above 100 % of the Credit limit they approved me for, what makes it Insufficient experience for them? Do I need to spend more for them to consider me for an increase. Do I need to spend less? The word Insufficient Experience is vague and there is no rhyme nor reason in my honest opinion. Denial reasons should also aim to educate and offer suggestions to the card member as to what they can do to make themselves eligible for a future increase. I have reached out to their EO via email and did not get any response at all. I called their lending, and have always been met with agents who frequently just shut me down with absolutely no offered resolution other than the feeling that " We don't like you, so deal with it ''. Actually back in XX/XX/XXXX, I have contacted the EO and spoke to a nice man " XXXX '' I believe was the name. And I joked and told him, " Maybe Discover doesn't like me '' and was surprised when he answered me back " Well, you can say that '' and further expounded that there are just accounts that they monitor and review more frequently than others. Then if that be the case, what makes me lesser in their eyes. I've used them and paid my bills and never missed a payment. My scores aren't perfect, but they aren't bad either. I could not help but compare myself to some mutual friends that I've referred to Discover and we all have slightly identical profiles. I referred them to Discover to give them more business, and these people i've referred have far outgrown me in terms of my growth with Discover as a card member. And that is sad, since, I could not think of anything that I did wrong, I have to the best of my ability, abided by the Terms and Conditions that I have signed up for. So what makes me less of a likable profile than others? When they give other customers, some newer than I bigger and more frequent credit line increases. And I am upset because I like the card, I like the company, but it seems to be a one way love affair and they hardly don't want anything to do with me. So all of my efforts meant nothing to them, even to do a manual review of the account since I am already turning a year in XX/XX/XXXX. Not once did they give me any automatic increases unless I had to prompt it myself and with small small increments. Perhaps they can outline for me what I need to do, to get into their good graces and educate me so that I may qualify for a bigger credit limit increase. 

I have attached a copy of the Denial letter, my credit score as it shows on my Discover account since they pull XXXX every month. And the year end report which shows the total spending and payments I have made using Discover. 

I hope that they can be less biased and be more considerate and open to others, honestly, every time I call them, I always get a very unwelcoming feeling from any person I have spoken to. So I hope they would be less biased and if they really can not increase my limit then tell me exactly why and just don't tell me it's because of Insufficient experience when I have used them and paid them each month. 

Hoping for a resolution to this concern. 

Thank you

Company response to consumer: Closed with explanation