Reply
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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
Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012

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 :smileyhappy:

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

Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Discover Card

In that case soleilbabe, Congrats!

Seems like your limit is legit. :smileyhappy:

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 :smileyhappy: 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
Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

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-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 10,000 CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4900CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase SlatE$4000/BofA2500/ToyotaRewardsVisa$6500
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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
Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010

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 $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Contributor
Jazzzy
Posts: 2,678
Registered: ‎07-29-2009

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.

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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 :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
ShiningDown
Posts: 318
Registered: ‎08-12-2011

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.

 

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+