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Contributor
heytherehitherehothere
Posts: 106
Registered: ‎07-15-2011
0

Re: Discover Card

I had a 712 a year ago and was approved for 3,500. I thought that was HUGE for me! They're so far slow with the increases. They've given me 1 with a SP and a letter sent to me going up $200. I would really enjoy finding out how they decide because my girlfriend just got approved for her Discover More from her pre-approved offer a month ago, her score was 717 and only a 2,500 CL. I find that alone interesting.

Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012
0

Re: Discover Card

Yeah it's definitely interesting. I applied after being invited to apply after pre-approval. I'll report back when I get the actual card as to if that credit limit sticks.

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

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Discover Card

congrats, I'd take your CL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012
0

Re: Discover Card

I just called Discover to confirm the CL and I do in fact have a CL of $11,300. This is unreal to me!


soleilbabe wrote:

I was just applied for a discover card, and when I go to check the status it says I'm approved for a credit line of $11,300. Is that normal to be approved for a credit line that high?


 

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

Contributor
firstladyd
Posts: 143
Registered: ‎05-23-2011
0

Re: Discover Card

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.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


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Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012
0

Re: Discover Card

For my case, I'm at 680 score and was approved for $1000.

Just added my wife in as "joint" instead of AU. She's in 720's club, so maybe she can help make auto CLI happen before the 6th month mark.

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Discover Card

My FICO score at the time was 716 when approved for Discover at $1.5k...

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
mr_postman
Posts: 179
Registered: ‎01-17-2008
0

Re: Discover Card

723 EQ Discover gave me 1K 

Regular Contributor
trishdadish
Posts: 123
Registered: ‎01-15-2009
0

Re: Discover Card

At the start of my recent app/credit spree, I only had 2 CC's, Cap 1's, with CLs of $800 $ $520, respectively. I app'd for Discover and a bunch of other credit on 1 single day, and Discover gave me a starting CL of $7,500. Score at the time was only 716 TU. I app'd online and remember a question about income, and I make a decent income and owed no debts at the time of apping, not even $1. So my suspicion is that Discover decides limits with income and current debt playing a larger role than I expected.

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Discover Card

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:

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!



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