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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: Discover's perplexing credit limit increase


oscar_actuary wrote:

they were just hoping to get some publicity on myficoforums.

 


Nice one!!!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
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Re: Discover's perplexing credit limit increase

As youngandcreditworthy said, it does seem they offer CLIs in/at small/frequent intervals.  I had my card for 3 months when they raised it from $3000 to $3750, then at the 6 month mark I was denied an online CLI (SP only), but at the next statement they auto-CLI'd me another $750 to $4500.  I called them at the 10 month mark and asked for a CLI with a HP - they increased me at that time up to $10,000.  So, don't give up on the HP as an option if you really want the increase. 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
kevinjjc
Posts: 1,331
Registered: ‎01-14-2009
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Re: Discover's perplexing credit limit increase


oscar_actuary wrote:

they were just hoping to get some publicity on myficoforums.

 


It worked! :smileylol:

Established Contributor
bahbahd
Posts: 731
Registered: ‎08-12-2011
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Re: Discover's perplexing credit limit increase

the real question is why have you not PC'd that More to an IT? 

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09Lexie
Posts: 25,939
Registered: ‎09-13-2012
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Re: Discover's perplexing credit limit increase

Frequent Contributor
nyancat
Posts: 295
Registered: ‎12-21-2012
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Re: Discover's perplexing credit limit increase

I got denied for a soft increase, no letter giving the reason. It sounds like you got a $250 auto-CLI even though the customer initiated one was rejected. That's what I'm hoping for, Discover is really a big joke though. 10% of the limits of Amex...

American Express Costco TrueEarnings - $8,300; American Express Blue Cash Everyday - $5,000; American Express Delta Gold - $7,300; Bank of America Travel Rewards - $5,000; Citi Forward - $5,800 and $4,500; Chase Sapphire Preferred - $7,500; Chase British Airways - $7,500; Discover It - $3,000
Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
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Re: Discover's perplexing credit limit increase

There is no real logic to Discover's CLI. From he longest time, I read they were stingy and I was stuck at $6500 until they gave me a good CL with a SP. Just like any other lenders who have no method to their madness.

 

Some people rave about CITI and Penfed, I cant even get a card from either of them for the life of me.




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HiLine
Posts: 2,949
Registered: ‎10-19-2012
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Re: Discover's perplexing credit limit increase


bahbahd wrote:

the real question is why have you not PC'd that More to an IT? 


 


09Lexie wrote:
Haha...I was thinking the same!

Why would I lose the awesome selection of card designs? :smileywink:


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