topic Re: Discover Card in Credit Cards

Discover Card

soleilbabe — Sat, 03 Nov 2012 02:13:38 GMT

I was just applied for a discover card, and when I go to check the status it says I'm approved for a credit line of $11,300. Is that normal to be approved for a credit line that high?

Re: Discover Card

Cadillac-XTS — Sat, 03 Nov 2012 02:18:27 GMT

Congrats

Re: Discover Card

youngandcreditwrthy — Sat, 03 Nov 2012 02:23:44 GMT

Wow!! No, not normal. What is your credit like?!?

Re: Discover Card

Epcot — Sat, 03 Nov 2012 02:27:21 GMT

Very nice, Congrats on the approval and CL!

Re: Discover Card

Shogun — Sat, 03 Nov 2012 02:29:55 GMT

That's a nice CL! Congrats!

Re: Discover Card

soleilbabe — Sat, 03 Nov 2012 02:31:15 GMT

I'm almost a month into my credit repair journey my FICO score I just got is 670 which is why I'm thinking this credit line is a fluke lol

Re: Discover Card

gettnthere — Sat, 03 Nov 2012 02:33:43 GMT

Wow, holy cow! Big CONGRATS!

Re: Discover Card

wallyworld123 — Sat, 03 Nov 2012 02:43:21 GMT

Super Awesome Congrats!

Re: Discover Card

nicholasyud — Sat, 03 Nov 2012 03:05:24 GMT

You probably Peggy's cousin.................

Re: Discover Card

JPersat — Sat, 03 Nov 2012 03:08:18 GMT

Dang...I have a 668, and only got 1,200!

Re: Discover Card

heytherehitherehothere — Sat, 03 Nov 2012 03:13:52 GMT

I had a 712 a year ago and was approved for 3,500. I thought that was HUGE for me! They're so far slow with the increases. They've given me 1 with a SP and a letter sent to me going up $200. I would really enjoy finding out how they decide because my girlfriend just got approved for her Discover More from her pre-approved offer a month ago, her score was 717 and only a 2,500 CL. I find that alone interesting.

Re: Discover Card

soleilbabe — Sat, 03 Nov 2012 03:21:42 GMT

Yeah it's definitely interesting. I applied after being invited to apply after pre-approval. I'll report back when I get the actual card as to if that credit limit sticks.

Re: Discover Card

migliogiorni — Sat, 03 Nov 2012 03:22:40 GMT

congrats, I'd take your CL.

Re: Discover Card

soleilbabe — Sat, 03 Nov 2012 04:10:58 GMT

I just called Discover to confirm the CL and I do in fact have a CL of $11,300. This is unreal to me!

soleilbabe wrote:
I was just applied for a discover card, and when I go to check the status it says I'm approved for a credit line of $11,300. Is that normal to be approved for a credit line that high?

Re: Discover Card

firstladyd — Sat, 03 Nov 2012 06:13:31 GMT

Sometimes they will double your total cl and give you that as your limit or match your total cl of all accounts. Say when you applied you had a total cl of $5650 made up of various cc and store cards. So they x that by 2 and boom $11300 cl. They matched my total cl. Congratulations and enjoy. Love my discover.

Re: Discover Card

pt2005 — Sat, 03 Nov 2012 07:02:07 GMT

For my case, I'm at 680 score and was approved for $1000.

Just added my wife in as "joint" instead of AU. She's in 720's club, so maybe she can help make auto CLI happen before the 6th month mark.

Re: Discover Card

maiden_girl — Sat, 03 Nov 2012 08:21:20 GMT

My FICO score at the time was 716 when approved for Discover at $1.5k...

Re: Discover Card

mr_postman — Sat, 03 Nov 2012 09:11:10 GMT

723 EQ Discover gave me 1K

Re: Discover Card

trishdadish — Sat, 03 Nov 2012 10:47:54 GMT

At the start of my recent app/credit spree, I only had 2 CC's, Cap 1's, with CLs of $800 $ $520, respectively. I app'd for Discover and a bunch of other credit on 1 single day, and Discover gave me a starting CL of $7,500. Score at the time was only 716 TU. I app'd online and remember a question about income, and I make a decent income and owed no debts at the time of apping, not even $1. So my suspicion is that Discover decides limits with income and current debt playing a larger role than I expected.

Re: Discover Card

webhopper — Sat, 03 Nov 2012 12:48:25 GMT

Wow; awesome limit. If you don't don't have a lot of other cards then that's normal for discover. They go high on limits for people who are just getting started because they realize that people have more loyalty towards their first major card issuer. They want to be the card that you never close :)