Strange Discover CLI

Shogun · ‎06-07-2013

DW and I both got new DiscoverIT accounts back in Feb on the same day. Mine was 5500 and hers was 5000. Last week she got an auto CLI to 6500, and I got nothing. My FICO is about 50 points higher and my income is about 2.5X.

Guess they just like her more than me.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

09Lexie · ‎06-07-2013

Usage the same?

By the way..., congrats to DW!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

codesingh · ‎06-07-2013

Congrats to your DW. Getting a higher CL with discover is status symbol(in terms of your CBR, yet confusing) for me. LOL...I respect two kinds of people 1.) who manage life moderately well timewise 2.) who have decent CL(>=5k) with discover.

I can't figure out discover. i am going to shock drawer it.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.

dodgerslv · ‎06-07-2013

@Shogun wrote:
DW and I both got new DiscoverIT accounts back in Feb on the same day. Mine was 5500 and hers was 5000. Last week she got an auto CLI to 6500, and I got nothing. My FICO is about 50 points higher and my income is about 2.5X.

Guess they just like her more than me.

congrats to DW! And wow, i just logged on to my account for the heck of it and OMG an auto CLI of 500! It only took 10 months of account opening to finally get some love from Discover.

gardening since 5/21/2016

09Lexie · ‎06-07-2013

@dodgerslv

Congrats...it's a start!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

dodgerslv · ‎06-07-2013

@09Lexie wrote:
@dodgerslv

Congrats...it's a start!

thanks lexie and i shouldnt complain. Something is better than nothing. Hopefully you will see something soon also.

gardening since 5/21/2016

lg8302ch · ‎06-07-2013

Congrats to DW. Discover is very strange to me too. Lowest CL received with same profile, no Starbucks gift, no 2% for June and friends that did not use the card got both. Some even got 2 Starbucks gift vouchers....so funny... account opening was +/- 10 days from mine. I will stop using the card from next month and see if this will give me any better results.. .. I am sick and tired of 40-60% util due to the low limit on this card! Discover is a big mystery to me I am glad it is only Discover and all the others gave me decent limits.

LS2982 · ‎06-08-2013

I wouldn't know anything about luv from Discover..............I didn't even think they did it at all................

EQ FICO 548 3/3/16

enharu · ‎06-08-2013

grats nevertheless!

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

SSA_2013 · ‎06-08-2013

@LS2982 wrote:
I wouldn't know anything about luv from Discover..............I didn't even think they did it at all................

Don't feel bad LS...Discover hates both of us equally

I have raised limits on every card I have with the exception of Discover. I even contacted the Discover Executive Office and nothing. The comical part is they lowered my APR to 11%...but I never carry a balance. I've tried carrying a balance for a few months...PIF before Statement...PIF After statement...nothing. I even applied for the Discover IT in the hopes of getting a higher line...nothing. My next strategy is to not use it for a few months and around the 5th or 6th month make a small purchase to keep it active. Maybe they will miss the constant activity. If they don't...I'm not missing out on much. My Freedom + new CSP are my main cards.