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Discover Card

Moderator Emeritus

Re: Discover Card

11.3 sounds like a discover limit. They don't like round numbers for some reason. I was at 1200 for a while; and I was at 4200 for a year. Seems like I remember being at 1800 for a while. The limit I have now is the first "round number" limit ive had.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 21 of 49
Valued Member

Re: Discover Card


webhopper wrote:
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 Smiley Happy

Makes sense....this is my only card.

 

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Message 22 of 49
Moderator Emeritus

Re: Discover Card

In that case soleilbabe, Congrats!

Seems like your limit is legit. Smiley Happy

Discover is a great company to do business with. Ive held their card since 1999.

I don't have a travel card but if you book travel through shop discover then you get 5% cashback. They also have specials where you can get up to 20% off on certain packages offered by their affiliates.

I think you will really like discover Smiley Happy welcome to the family!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 23 of 49
Frequent Contributor

Re: Discover Card

Thats amazingly high for as tight as they can be..... you definitely struck gold with that move... TAKE GOOD CARE of that account !!!

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 24 of 49
Established Contributor

Re: Discover Card


firstladyd wrote:
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.

LOL I wish they would do it for me, I have a total personal CL of $30,500  so double would be $61,000 LOL although I wouldn't want ast $40,000 cause if it does it doesn't factor on your credit/debt ratio. Since usually credit limits above that does not report.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 25 of 49
Highlighted
Established Contributor

Re: Discover Card

That is great. When I got my Discover, my score was in the low 700's (but with limited history) and they only gave me $1,080. Totally random number.

 

But in less than 3 years, its grown to $13,300. Treat Discover right and they'll treat you right.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 26 of 49
Valued Contributor

Re: Discover Card

Mine came in at $13,140. Don't know why such an odd amount...but I'll take it. I was probably in the mid-700s at the time.

Message 27 of 49
Established Contributor

Re: Discover Card


Jazzzy wrote:

Mine came in at $13,140. Don't know why such an odd amount...but I'll take it. I was probably in the mid-700s at the time.


lol that is odd, but I think they should always do it like $13,910 instead lol, cause that's $13,000 + sales tax LOL makes it easy Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 28 of 49
Frequent Contributor

Re: Discover Card

I was just below 700 score and started at 1,000 in Dec,2011.

Oct 2012 asked for increase and they gave me 1,000.

Debt  (7,000)  + Installment loan debt is at 10,000.

Next year all of my taxes will be going to this debt.

 

Message 29 of 49
Established Contributor

Re: Discover Card


ShiningDown wrote:

 

Oct 2012 asked for increase and they gave me 1,000.

Debt  (7,000)  + Installment loan debt is at 10,000.

 


that's lucky I"m surprised they gave you an increase at all with being $10,000 in debt.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 30 of 49