Discover More!

[Anonymous]

Wow - applied online, got the "further review" page...

Checked the page for 3 days and called today.

Approved for $1500.00. Kind of a kick in the stomach but I am at 49% utilization right now accross the board.

So, I will live with it.

Any tips on how to get that line increased as quickly as possible? I plan to PIF each month.

Thanks!  Ray

[DI]

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@Anonymous wrote:

Wow - applied online, got the "further review" page...

Checked the page for 3 days and called today.

Approved for $1500.00. Kind of a kick in the stomach but I am at 49% utilization right now accross the board.

So, I will live with it.

Any tips on how to get that line increased as quickly as possible? I plan to PIF each month.

Thanks!  Ray

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Congrats!  Discover does account reviews every three months for CLIs during the first year of opening an account.  Until you get your utilization down significantly, your line may remain  at $1500. 

[thrasher865]

Spend as much as you can and PIF, or don't PIF, doesn't really matter IME.  But, I do think your overall util is hurting you.  When it comes down, your CL will go up.

I probably run almost $10K a year through my Discover card, and I've gotten pretty steady CLIs.  I get them when I've PIF, and I get them when I'm carrying a $3000 balance for a few months.  As long as you are responsible and you use the card, Discover seems ready to give out higher CLs.

Although, other member have said the exact opposite: that Discover is one of the stingiest CCCs, so YMMV.

[Anonymous]

Thank a bunch!

I know my utilizations is high - finally got off my butt and cleared up a bunch of stuff - and therewere some errors on EX that I am waiting to clear up. So, I will run a ton of stuff through the card and PIF each month and wait to see what happens.

I am hammering my last high util card as fast as I can and that will help. We throw everything we can at it each month. All others are now PIF and resting well! 

I had hope for a little more but this one can "grow"......

Thanks again - Ray

[thrasher865]

Yes, don't feel bad about the low initial CL.  It has been my experience that Discover is very capable of growing with you.

[Anonymous]

Best I can tell (without official look), I should be in the 760 area...

Last fall I picked up a new car and the dealership told me I was at 741 - not sure who they pulled though.

So, in this little app spree:

1. AMEX ZYNC - approval and they are backdating me to 1979 when I had my first AMEX!

2. Discover - approval.

3. Citi - still pending. I like the 0 percent for 21 months.

4. Chase - still pending. Same reason as #3...

So, that will be it for a while for me. Might have done too much already...

--Ray

[Smerri1029]

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@Anonymous wrote:

1. AMEX ZYNC - approval and they are backdating me to 1979 when I had my first AMEX!

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WOW! That will look awesome on your report!

[jefftca925]

I've had my Discover More card for almost 3 years now and have only received 1 CLI from them and that was 2 years ago.  I typically pay balances off BEFORE the statement cuts so it shows up on my CBR with a 0 balance.  This month I let a balance report and next month I'll do the same to see if they auto CLI my account.  If nothing happens, back in the SD is goes.

[Anonymous]

It will be intersting to see what they do for me. I will run as much as I can through it for a while - maybe 6 to 12 months.

If they are kind, I will keep using it daily. If not, I will auto-pay the cell phone bill with it each month. 

Ray

[Anonymous]

1. AMEX ZYNC - approval and they are backdating me to 1979 when I had my first AMEX!

I talked with them twice yesterday about this and really got nowhere as I have not used these cards since about 1985. I have had a Green, Gold, and Optima card with them. It seems that I have fallen out of their data-base... 

The last person that I spoke with was quite helpful and gave me a fax number to send a copy of my credit report related to AMEX and the 1979 date. She thought even though I am no longer in the data-base, this department and the copy of the related AMEX information would be all I need to get them to back-date.

I faxed this information in this morning and will wait to see what happens..

Right now, my oldest credit dates back to 1985 so getting this addtional 6 years will be nice.

I will post back once I know what happens.

--Ray