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Recon CL with Discover??

Senior Contributor

Recon CL with Discover??

Has anyone had luck reconning a limit with Discover?? I have a $4,000@0% bal on my Travelocity Amex still, and while I am in a position to pay it off, I'd rather leave my cash in the bank/invested getting a little interest/div income and just xfer this balance so I can build cred with Discover.
My initial limit is $4k, and to do the BT @0% for 15 mos., I'd prob need a $9-10k limit to avoid any mess up on util.

Has anyone here had luck with reconning a higher limit with Discover?? I literally just opened the account, and I'm also willing to cld another account by a few thousand if needed (I don't need $7k at BR, LOL).
Any advice/info would be helpful. Btw, I've paid about $700 on the Trav Amex this month alone, so again...not a cashflow prob.

:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 16
15 REPLIES
Established Contributor

Re: Recon CL with Discover??

From my experiance Discover makes you wait 6 months no matter what. You can try but I have never heard of anyone getting one before 6 months.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 2 of 16
Established Contributor

Re: Recon CL with Discover??

+1
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 3 of 16
Senior Contributor

Re: Recon CL with Discover??

I also know about the extra $40 pmt disc adds for bal xfers. Not a prob.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 16
Senior Contributor

Re: Recon CL with Discover??

Dang.... If that's the case then I may just pay it off lol.. It just kinda sucks cause once I pay that, I won't really have any cc debt to continue building my credit history. Hmmmm

Have yall heard of Barclay's extending 0% offers? Like for an extra couple of months? Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 16
Valued Contributor

Re: Recon CL with Discover??

I've tried multiple times to get an inscrease on my initial CL, and multiples to get a CLI before 6 months, and they didn't give it to me. I tried to get a CLI after 6 months, and they want to HP my report. So I gave up.

 

I have heard that they extend 0% intro though

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 6 of 16
Senior Contributor

Re: Recon CL with Discover??

OoooOooo.... Yeah, I don't want any hard pulls at all....not for any reason.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 16
Senior Contributor

Re: Recon CL with Discover??

Swift-did you hear that Barclay's extends 0% offers or Discover? I saw on here that Discover had, but never seen that Barclay's had...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 16
Highlighted
Valued Contributor

Re: Recon CL with Discover??

I was referring to Discover.

 

How it happened what they called for a CLI, then they "counter offered" with 0% extension

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 9 of 16
Valued Contributor

Re: Recon CL with Discover??

Yes, I successfully recon'd my initial credit limit, went from 5k to 10k. Huge YMMV!!!

See my thread: http://ficoforums.myfico.com/t5/Credit-Cards/Discover-More-approved-amp-initial-CL-recon-success-5k-...
Message 10 of 16