Established Member
Posts: 11
Registered: ‎08-26-2011

Discover IT Initial CL

I just applied for the Discover IT card yesterday and received a counter offer for a higher APR version which is fine since I don't plan to carry a balance so I accepted. I didn't receive the credit limit on the approval page so I called in to speak with the customer service team (and I wanted to see if my experience would be the same as others in terms of excellent service) and spoke with a nice woman in Delaware who told me my limit was $1k. Now, I have a few other cards that I don't think one would consider prime cards but they all have higher limits.


Has anyone had any experience with Discover and increasing your iniital limit? I asked the CSR and she said once it has been established I would have to wait 3 months and I'm assuming a HP before I could increase it. Not sure what report they pulled or what the score was but since I didn't get the best APR I assume they will be sending a letter with the details.


At any rate its nice to be a part of the real Discover family! Rebuilding is on track, now its time to hit the garden for a longgg time. Closing Crapital One was the best part of the journey so far!


Currently in my Wallet:

Credit Union Visa: $2k

FNBO Discover: $4.6k

Walmart Store Card: $1.6k

Best Buy Store Card: $.5k

PNC Points Visa: $1.5

Discover IT: $1k


Next goal, buying my first house!

Frequent Contributor
Posts: 345
Registered: ‎02-27-2013

Re: Discover IT Initial CL

Just be patient. I'd wait 6 months show heavy use. Discover does like a balance.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

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Senior Contributor
Posts: 3,049
Registered: ‎11-13-2012

Re: Discover IT Initial CL

Heavy use and PIF for 6 months did not work for me. Will SD and use for Shop Discover only now. Looks to me that Discover likes to be highest or lowest card in collection :smileyhappy:
FICO® EQ 791 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3

Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Frequent Contributor
Posts: 345
Registered: ‎03-16-2011

Re: Discover IT Initial CL

use it and they should show you some auto luv @ 6 mo.  just curious though why 2 discover cards? i see you already have a FNBO Discover, so why app for the IT, is the rewards structure sig. different?


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000

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