Whatever Discover

Runitup · ‎03-07-2015

Got my "It" package in the mail today. They pulled Experian. My score is 829. Credit limit: $6,375. What a joke.

chwebb1 · ‎03-07-2015

@Runitup wrote:
Got my "It" package in the mail today. They pulled Experian. My score is 829. Credit limit: $6,375. What a joke.

In what way? What are your other CLs? I'd love to have a $6000 limit on my Discover card personally. So I'll trade you if you like.

photo bankamericard-better-balance-rewards-credit-card-small.png

$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015

Anonymous · ‎03-07-2015

Sorry to hear dude, but you should know Discover is stingier than most with starting limits. Can't win 'em all but it wouldn't hurt to be a little less bratty about it. Some of us here would be happy with that limit. Reading your post made me feel especially bad man. Tears are everywhere.

dwz55 · ‎03-07-2015

sounds about right I got 5500$ with a 797 Equifax

TU 780 April 2014
EQ 797 May 2014
EX 786 May 2014

LiberatedRN · ‎03-07-2015

It seems like a really great starting limit..... what were you expecting???

Officially in the Garden: 2-7-15 till 2-7-16 EQ 711 TU 735 EX 709 (Goal Score 750) (current accounts and inquiries need to age)AmexBlueCashPreferred$6.5K /CDP$6.3K/CitiDblCash$1.5k/Discover$4K/AmexGRN / ChaseFreedom$3.5K /Chase Disney$2.5K/ShopHQ$3.8K/Ebates$3.5K/WilliamsSonoma$4.5K/ /Amazon$2.6K/ HSN$2.3K /Walmart$2.3K/JCrew$4.5K / QVC$2.8K/PayPalCredit$884/BOA(sec)$600/The Loft $1000/Target $500/JCPenney$400/VS$500Last App2-7-15

Anonymous · ‎03-07-2015

@Runitup wrote:
Got my "It" package in the mail today. They pulled Experian. My score is 829. Credit limit: $6,375. What a joke.

Credit limits aren't based just on credit score. They also take into account income, other credit available etc. $6K isn't a joke for most. Just take the card and ask for come increases as time goes on. It will go up quickly enough.

Anonymous · ‎03-07-2015

$6375 is a very odd credit limit.

Closingracer99 · ‎03-07-2015

@Runitup wrote:
Got my "It" package in the mail today. They pulled Experian. My score is 829. Credit limit: $6,375. What a joke.

I have $2,500 ....it could always be worse ......you could have a 400 credit score and no cards

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Anonymous · ‎03-07-2015

Discover tends to be a little more conservative with starting limits than some other lenders, but score alone isn't the only contributing factor. Do you have other cards with higher credit limits? Do you have income to support a higher limit on this card? Do you have so much credit that they feel that you are already over-extended?

mitchblue · ‎03-07-2015

I got 4k with a 755 at the time. Seems more than fair..I had a thin file at the time.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)