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DW only $500, no SP or auto CLI yet (will not approve HP) after 10 months. Now is the lowest from all her cards. Will use the card only once a month from 5% category to get the FICO score.
I have a Discover IT Student card with a $500 limit. They refuse to raise the limit without a HP, which I won't let them do. It doesn't even let me attempt to do a SP CLI online, just says "We're Sorry. Your credit limit increase request cannot be processed at this time." Makes me so mad haha.
If you have less than 10% utilization and pay off your statement each month in full, you can ask for a CLI after 6-7 months.
@mattayy wrote:Hello,
I was just wondering what everyones Discover IT student card credit limit was and if there is a difference between the chrome student and regular. Also how is the CLI and do they do it often or are they stingy?
I have no experience with Discover so just wanted to get an idea of how they are.
Thanks everyone!
Mine is $2750, and I don't currently plan to ask for another CLI until I graduate. I started at $1000 in Oct 2013, took a HP to get to 2000 in February I think, and took another HP to get to $2750 in June I think. I am a graduate student if it matters.
They gave me 9.5k starting CL, though I applied for the reg not the student version even though I am still a student. I had a few cards before it with the longest being about 1.75 years
My limit is currently $1500 after 3 years.
@surehit wrote:I have a Discover IT Student card with a $500 limit. They refuse to raise the limit without a HP, which I won't let them do. It doesn't even let me attempt to do a SP CLI online, just says "We're Sorry. Your credit limit increase request cannot be processed at this time." Makes me so mad haha.
Exactly the same with my DW card. She regrets applying for the Student version. Let's see what happens after graduation day.