@Anonymous wrote:Thanks DeeBee - I submitted the request online so all that's left is to wait two business days and hope they're generous this time around.
I am aware about the popularity of DIscover and AmEx (or rather lack thereof) but I've never had an issue with them in my area or even during travel in the US. I've yet to go out of the country and should the need arise, I'll probably end up getting a Visa or Mastercard. But for now I'm content with the two I have, no sense in decreasing my AAoA for a problem that's not there!
Just playing Devil's Advocate here as I don't necessarily think you should app for other cards if you don't feel you need them as that is indeed silly. However, at our age (I'm 22) we're at a pretty decent position to apply for other cards (that we desire/need) without fretting too much over AAOA... Because our accounts are so relatively young, adding on or two more will now will allow them to age alongside our current accounts. Alternatively, you're looking at waiting another x amount of years before you apply, cutting your AAOA at time when it may actually harm you and the cut may be more dramatic than it would be now. All that being said, everyone's circumstances are different.
(I'm partly putting out that suggestion for my own benefit. I, too, only have two cards currently -- though one of mine's a visa -- and am considering whether to sit on them or to app for some that I'm interested in relatively soon to allow them to age 
)
Regardless, good luck with your Discover CLI
@Anonymous wrote:Hey guys, new to the forum but not new to credit! I'm a 21 year old college student with two credit cards. I got my Discover card in 2012 the day I turned 18, which was then the Discover More card. I transferred to the Discover It card last July. I believe they started me out with a $500 credit limit if I recall correctly. I now have a $2,000 CL with them. In August of last year, I applied for an AmEx Every Day card and was accepted with a $2,500 CL, which I increased to $7,500 and recently tried to increase (but got the 7-10 day wait notice) to $22,500 using the 3x CLI guide.
I would like to increase my CL with Discover but I don't know how much I should reasonably ask for. My FICO score, according to my Discover statements, is 759, and my scores according to Credit Carma are 743 and 744. I feel like I have a fairly good chance of being approved but it has always seemed like Discover never grants what you ask for, but they counter you for a lower limit.
Any advice would be appreciated!
See attached for guidelines on CLs by score and income level. Students get some breaks but don't expect to be approved for the $22,500 request. I would suggest not asking for anything above $5000 for your Discover card.
@Anonymous wrote:Someone with Discover contacted me this afternoon regarding my CLI request and she said they would have to do a hard pull to proceed. I gave my permission for that and I was granted a CLI...for $1,500 more, making my new limit $3,500. Why is Discover so stingy? It's my oldest account, my score is high, I've never missed a payment and my utilization is low. If I'd known I'd only be getting $1,500 more, I wouldn't have done the HP and just sat happily with my $2,000 previous limit.
I'm surprised it didn't work out better.
Discover has actually been pretty generous lately (not with me, but with a lot of other people) compared to its historic standard.
