Did They Remove My Discover Credit Score Post?

Jack11
  |     |   272 posts since 2019

Anyway - good news

Score went right back up the 37 points in question and is back where it should have been--820

(the score updated this morning)

This has never happened before in all my years of following the scores

The BAC score was delayed in going down so I expect it will go back up in a few weeks too



Answers
deplorable_1
  |     |   247 posts since 2020
Discover lowered all my credit lines after my score mysteriously dropped for no reason about a year ago. It rebounded quickly yet they refused to reinstate my previous credit lines without doing a hard pull for a credit line increase. Now it's been at 850 for 6 months straight and I never had 850 before. Very strange.
GreenDream
  |     |   122 posts since 2019
I've never had discover, only mastercard and visa. None of my cards have ever lowered my credit limit, fortunately, which considering how cards were supposedly tightening credit limits this past year, I was expecting the possibility that one of my lesser used cards might pull that stunt.
deplorable_1
  |     |   247 posts since 2020
Discover is good for the 5% bonus categories every quarter. It's a bit of a pain since they make you sign up for the bonus each quarter. They have some really good gift card discounts on their site kind of like gift card Granny without all the hassle. I use my cash back on those so it works out to around 10% cashback overall. A pretty good deal compared to other cards. I don't use it for the 1% regular spending.
Jack11
  |     |   272 posts since 2019
I just applied & got the citi card with the bonus for a $750 spend and 5% in your highest category for the month

I got an email from credit karma within a minute of applying notifying me of the credit check

My ck equifax score dropped 3 points as expected- if I do another soon Id expect another 7-10 points

No real need right now but open to another bonus card withOUT a large spend

The approval email took 14 more minutes

But It was instant approval- they did not ask my employer- just basic stuff and income and housing payment- I guess its credit score based

Limit was embarrassingly low but plenty for me- I will only use it for Aldi and a local Independent grocery store- and maybe lowes for a water heater

They did offer a $500 virtual card which might come in handy if I get the water heater sooner than later- the rest with discover cash back gift cards- 10% value added I have like $230 worth
Jack11
  |     |   272 posts since 2019
BAC score is also back up
Pretty sure it stayed down for a shorter period of time

I just spent some time on credit karma and its Transunion score did not change but I did have something happen back in May

A small rarely used paypal credit card - they lowered my limit from $10k to $1k

I got an email and I either called or chatted and asked them why or something and they quickly rolled over and increased it back to $10k

But even if it would have stood it I would not think it would account for that much of a decrease-
GreenDream
  |     |   122 posts since 2019
Hmmm, Yeah the drop in the limit could account for a decrease as it lowers your total credit limit which would alter your credit utilization percentage for the worse. Unless you happened to have used that card during the $1k limit period or had a someone larger than normal total balance in use at the time they calculated your score, a 37 point drop does seem a bit much. Glad it seems to have gone back to normal for you.


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