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So kind of you discover... 200 really?

Regular Contributor

So kind of you discover... 200 really?

6 months of being a customer with discover and what do they give me .. 200.00 .. i guess an increase is an increase but WOW.. Anyone else see low increases like this?

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 1 of 16
15 REPLIES
Regular Contributor

Re: So kind of you discover... 200 really?

well i guess to look on the bright side that took my credit limits from 19800.00 to 20000.00 .. 

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 2 of 16
Established Contributor

Re: So kind of you discover... 200 really?


Sabrian31487 wrote:

6 months of being a customer with discover and what do they give me .. 200.00 .. i guess an increase is an increase but WOW.. Anyone else see low increases like this?


No, Discover gave me a CLD of $500 after having the card about 6 months.  At the time, I probably deserved it.  I can't even tell you what my credit report looked like, but I did carr a large balance in relation to my credit limit with them.  

 

The other day, the gave me an auto CLI for $600 after having the card 3 years.  I believe it was generous considering I'm still carrying a large balance in relation to my credit limit.  They may have noticed some improvement in my overall credit profile, but not enough to warrant a higher increase.

 

I believe you can call them if you would like a higher increase.  It may be a HP.  I'll stick with the SP increase that didn't require any work on my behalf.

Message 3 of 16
Established Contributor

Re: So kind of you discover... 200 really?

Love discover, even if its my lowest card.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 4 of 16
Frequent Contributor

Re: So kind of you discover... 200 really?


missjae wrote:

Sabrian31487 wrote:

6 months of being a customer with discover and what do they give me .. 200.00 .. i guess an increase is an increase but WOW.. Anyone else see low increases like this?


No, Discover gave me a CLD of $500 after having the card about 6 months.  At the time, I probably deserved it.  I can't even tell you what my credit report looked like, but I did carr a large balance in relation to my credit limit with them.  

 

The other day, the gave me an auto CLI for $600 after having the card 3 years.  I believe it was generous considering I'm still carrying a large balance in relation to my credit limit.  They may have noticed some improvement in my overall credit profile, but not enough to warrant a higher increase.

 

I believe you can call them if you would like a higher increase.  It may be a HP.  I'll stick with the SP increase that didn't require any work on my behalf.


This. I'm not sure where the sense of entitlement to credit comes from for some people. You didn't do anything or ask for it, so why complain about an auto CLI? If you want more, take the HP for it. Your limits aren't particularly high or anything, and you have other creditors with the same original limit as the Discover sooo I really don't know what all the fuss is about. And it looks like all your cards were opened this year. Do you really expect your creditors to trust you with lots of money right off the bat?

Message 5 of 16
Valued Contributor

Re: So kind of you discover... 200 really?

At least you got some LUV lol
I havent received any luv from them.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 16
Highlighted
Regular Contributor

Re: So kind of you discover... 200 really?

9 months, high usage, pay in full every week...

0 auto luv from Discover. 

 

 

Message 7 of 16
Frequent Contributor

Re: So kind of you discover... 200 really?


Sabrian31487 wrote:

6 months of being a customer with discover and what do they give me .. 200.00 .. i guess an increase is an increase but WOW.. Anyone else see low increases like this?


I have been with them for 6 months, got a $300 auto CLI at 3 months and just got a $400 auto CLI at 6 months, high usage, PIF mostly but did carry a small balance last month.




Message 8 of 16
Senior Contributor

Re: So kind of you discover... 200 really?


Sabrian31487 wrote:

6 months of being a customer with discover and what do they give me .. 200.00 .. i guess an increase is an increase but WOW.. 

It's not just time with a creditor that matters.

Message 9 of 16
Valued Contributor

Re: So kind of you discover... 200 really?

Who knows what type of algorithm Discover uses. Discover gave me an auto cli this week for $5500 to $6500. My fourth statement just cut last week and I've been carrying a balance (0% promo) from a BT since the beginning. Right now, my bal is at $2600 but it was a little higher when I got the auto luv. I'm just happy with any SP/auto CLIs.

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 10 of 16