Re: Discover is in the good mood now

physignathus · ‎10-23-2013

Hi ficoers,

I just call Discover to ask for cli since it has been 3 months from the last increase. The representative transferred me to credit analysis and he approved most of my request. I requested cli from 9.5k to 15k and got approved 14k with a soft pull. It was good without the hard pull and It would balance the credit from Saks Fifth 8k that I closed. Also, I wonder what is the Discover credit limit before providing financial paper that you can ask for? Any input is greatly appreciated. Thanks all for reading.

EX: 704, EQ: 728, TU: 702. AAoA: 2.8 y
Amex Business Platinum: NPSL, Chase Riz 24k,Chase United Club 20k, Paypal MC 40k, Discover 22k, Citi Advantage 31.5k, Amex BCE 33k.

parakleet · ‎10-23-2013

Wow - congrats! That's quite a CLI from a SP. Did you have a balance on your IT when you asked?

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+

physignathus · ‎10-23-2013

Yes, I do owe 1900 when I made a request. Also, my ulti overall about 3%.

EX: 704, EQ: 728, TU: 702. AAoA: 2.8 y
Amex Business Platinum: NPSL, Chase Riz 24k,Chase United Club 20k, Paypal MC 40k, Discover 22k, Citi Advantage 31.5k, Amex BCE 33k.

09Lexie · ‎10-23-2013

Congratulations!

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bndresa1321 · ‎10-23-2013

That's awesome congratulations, I hope to be able to get to those kind of limits some day.

NibblesTreats · ‎10-23-2013

Congratulations! Nice limit increase. I am looking forward to when I am able to have those kinds of limits again!

Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 675, EX 671, EQ 654 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board. Simulator says 806 if I stay on track for 24 months

dodgerslv · ‎10-23-2013

Congrats on a nice CLI!!!! i wish discover could show me more love. I have already accepted that this is one card that will never grow with me so its been SD.

gardening since 5/21/2016

Bay_Area_Joe · ‎10-23-2013

For me, when I got to 20k combined, they said they would want docs for anything more.

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k

enharu · ‎10-23-2013

For discover it seems that there's a chance they will start asking for docs beyond 15k. Depends on the individual though.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

physignathus · ‎10-24-2013

Thanks all for your reply and input. I will keep it in mind about docs to support cli over 15k.

EX: 704, EQ: 728, TU: 702. AAoA: 2.8 y
Amex Business Platinum: NPSL, Chase Riz 24k,Chase United Club 20k, Paypal MC 40k, Discover 22k, Citi Advantage 31.5k, Amex BCE 33k.

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Discover is in the good mood now