Whatever Discover

[JSS3]

Do they recon?

[L-TWT]

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@Runitup wrote:

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

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Congrats on your approval, but your Exp FiCO score is a tad bit higher than mine, and I was approved with $30,000 this pass 01/2015.

Was your application instant approval? mine wasn't, I had to submit a copy of my SS card, forms to verify home address/income, and most current credit card statment from another lender, which I used Citi, and they matched my Citi CC CL!

[racer-x]

My IT went from $1675 or $1850 (I think it was $1675) to $12.9k in a year. 

With all things being relative, that would suuggest that your $6k should be $30k in a year. 

[AirlinerDudeB6]

My starting CL was a dismal $1500 with scores in the low 700's.

Its now up to $7500 all through SP CLI's over the past 14 months.

[CF_Frost]

Discover gave me my first unsecured card with only six months history with a $500 secured card. $750 limit at $40K income, which seemed more than fair at the time. My scores have gone from low 700s to high 700s, but getting them to increase my limit was a frustrating puzzle to piece together. I got a couple auto increases, but I had to chip away at it $1-2K at a time. I'm up to $5K now with little use (only in the 5% categories). I'm okay with that limit, but it took a couple years and a lot of soft pull attempts to crack the code. Still on the lower end of my lowest limits, unfortunately.

[9CLINE]

Congrats on approval... Welcome 2 the Discover family !!!!!!!

[takeshi74]

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@Runitup wrote:

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

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As others have stated it's never just about score.

[TRC_WA]

I was happy just to get in the door with Discover and their $1500 CL back in December.

My reports will be clean of BK13 in the next 8-12 months with early exclusion and I will no doubt improve my limit... maybe they'll show me some love sooner?

Not the best card in my wallet but the 5% promotions are still pretty nice to fall back on after capping Sallie Mae for the month.

[NRB525]

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@Runitup wrote:

I don't think it's too unreasonable to expect a match of my lowest limit but then again, I guess Disco is a different animal.  They are offering a 0 fee BT that I was thinking about using but 6k ain't much to work with without utilization being out of whack.  

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Discover gave me a temporary CLI from $5k to $8k last May, paired with a 0% BT offer, both good for the same 12 month period. So I BT to $7,700 on the $8k limit, 96% utilization, and started paying it down, to get the remainder of interest charging $900 that was on the card pre-BT and get that out of the interest charges. Then they followed that up with "spend $1,000 get $100 back" in September, so I ran a bunch of new charges through (which were on ANOTHER offer I didn't even recognize, that these new charges were at 0% APR also) and paid faster.

FICO score? Who cares? It may have been 750, I wasn't monitoring it, but in late October it was the scores in my siggy. I'm saving interest cost. It's on a path to zero by mid-May when the 0% BT and temporary CLI expire, and we'll see where it goes from there.

My point is, if you've got balances paying interest, max out that Discover card 0% offer. And I do mean max, as in 90% utilization. They'll love you for it.

[js0319]

Your initial credit line seems to be in line with your income and current score, considering it IS Discover.