Discover Credit Card Complaint

Discover Credit card department,

Credit line increase/decrease Michigan

The history : I have been a loyal Discover Card customer since -/-/- ( 9 years ). My spending behavior is I normally charge up the card near its credit line and pay the balance off, in full, within six months. This has been true for the last four years. I have high balances on other credit cards, but have never missed a payment with them. My credit score is just over -. What happened : I made a nearly $11000.00 payment -/-/- to pay my full balance, again this is common behavior ; just in - of this year I made a $7000.00 payment in full. We were doing a lot of immediate spending as we had a zero percent offer on new purchases. We logged into our credit card account on our mobile app to find that on -/-/- we were some $500.00 over our credit line, but our balance was only $4300.00. How could this be when we had an $11000.00 credit line? Turns out, Discover reduced our credit line from $11000.00 to $3800.00 after our $11000.00 payment without even telling us. We immediately called customer service and they upped our credit line to $4500.00 so that


my available credit card limits for all of my cards, and I had recent credit inquiries from three months ago so based on that information they would not restore my credit line, nor increase it from my $4500.00 limit. Never mind the fact that if Discover Card reported my $11000.00 payment ( thus $11000.00 lower balance ) then I would be at 74 % of my available credit limits with my credit cards. Instead they dropped my line to keep me at 94 %. I escalated the matter and received a callback on -/-/- from the credit department manager, -. I was irritated about the situation but was respectful throughout the conversation, which is more than I can say about that manager. - kept cutting me off midsentence, kept repeating herself instead of answering my questions, and simply refused to listen to what I was trying to tell her. I explained we had been customers for 9 years and are going to close our account if we can not come up with a solution. She did not care the slightest of our relationship with the company. I asked her if she understands that without customers to serve, she would be out of a job? But apparently Discover is too big for - to care about - customer. At this point I was not even trying to restore our credit line, but asked out of a good relationship that they extend the limit by some amount, $2000.00 perhaps, just to keep me happy and keep my business. All throughout - kept up her unprofessional attitude cutting me off and belittling me. I asked her if the phone call was being recorded and she conveniently said it was not. I asked to speak to her supervisor ; she said she was the top of the line. I told - that her behavior towards me as a customer was unacceptable and I was going to report it to her. Then she became nice all of a sudden and said she would gladly forward my request to speak with her supervisor, who is - -. - - called me the following day, but I was not able to take her call. She left a message saying she was out of town and would try me the following week. It 's been four weeks since her first call and I am still waiting for a callback. I just called Discover customer service and had them email - - asking her to follow up with me. So what can we do : My car needs new tires, we have a $2000.00 medical bill to pay ( and growing ), and I need $1000.00 work done at the dentist 's office. We have no savings and discover card chopped our credit line by $8000.00 after we did the responsible thing of paying the balance we owed. We are now in a bind thanks to Discover.