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Discover Question

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Anonymous
Not applicable

Discover Question

I've had a Discover Motiva card for several years and it is still at $1700.  I've tried for limit increases but have been denied each time.  I've been offered balance transfers, which I took advantage of a couple of times.  Last night I decided to go to the Discover chat to ask how I could improve on my account so that I could qualify for increases since I suspect that they just aren't giving increases on the Motiva.

 

I was told that they couldn't give credit improvement info in chat but that I could convert to the Discover It card.  So, I agreed and they put it through without a problem, saying that it would take effect on April 25. 

 

My question is--could the conversion possibly give me a higher credit line?  I have paid on time and often much more than the minimums for years.  Does anyone have any experience with this?  My FICO, supplied by Discover, is 621.  Thanks in advance!

 

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3 REPLIES 3
Anonymous
Not applicable

Re: Discover Question

Always difficult to say with Discover, but I think with a TU Fico of 621 your chances are slim.

Message 2 of 4
RonM21
Valued Contributor

Re: Discover Question

With a 621 score, you may not see a higher limit. What could happen is that in the future you may have a higher chance of getting SP CLI's. This is assuming that your score rises and you use the card responsibly.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 3 of 4
Orecic
Established Member

Re: Discover Question

I have rquested CLI from Discover many times only ending in denial. Though when I apped a new Discover card I was APPROVED for DOUBLE the amount of my current card. Discover is Bi-Polar and I avoid them as much as possible.


03/17/2016 *** EQ 701 * TU 706 * EX 727 ***

04/21/2016 *** EQ 728 * TU 736 * EX 747 ***
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