Approved for Discover IT, but not happy with limit

[Involver]

Nice work on the CL recon.

[gdale6]

---

@peepers wrote:
Well I just got off the phone with an analyst, he looked over my info and said if I BT over the $4000, they'd increase my limit to $7,000. I also was sure to ask if they'd CL decrease me as I paid that down. He assured me that wouldn't happen, so I went for it.

---

Nice, congrats

[peepers]

thanks everyone. I think it helped speaking with someone who understood my concern of the utilization factor.

[-Wade-]

---

@peepers wrote:
Got instant approval online and called and was advised starting limit is only $4500. I was wanting to 0% BT over the $4000 I have on my NFCU card (only card I carry a balance on) but not at the risk of 89% utilization on that card! Sitting on NFCU its only 20%. Can Discover starting limits be reconned? How are they with CLI's?

---

Congrats on your approval

[Brax]

$7000 is an incredible way to start with Discover! It took me a year to just hit $6500 after starting at $1500.

You can probably get an additional HP CLI in 3 months to raise the limit to a five digit CL. That would definitely push utilization on that card down to where the utilization % on that card is a non-issue.

[alvon123]

---

@peepers wrote:
Well I just got off the phone with an analyst, he looked over my info and said if I BT over the $4000, they'd increase my limit to $7,000. I also was sure to ask if they'd CL decrease me as I paid that down. He assured me that wouldn't happen, so I went for it.

---

congrats

[creditFiend]

Congrats on the approval & CL recon!

[bk510]

@DrZ,

I like your Grey colored B of A Visa....nice looking color.

[Kenny]

Congrats! On the approval and the CL recon!

[Lilalota]

Congrats! 7000 is not too bad I hope to get at least that much when I app for it.