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I got it Nov '17, SL $3K scores 650's.
Just joined the Discover club Dec 2017
SL $1000
Recon via chat, an addition $250
Current Limit $1250
It's a start, just happy to finally get an approval. Hopefully Disco will show me love in the coming months and years.
Ya I came back and read this thread I am certainly on the lower side of peoples limits here and I knew my blood pressure would raise slightly lol.. No wonder why alot of people on this forum love discover and others such as myself despise them . Congrats to you all the have usable CL's and to the others of us that don't we need to shoot the card and put it outs of its misery
@AverageJoesCredit wrote:
Lol, CC, just think, i may have closed my Disco before i qualified for double cash back. Wouldnt that just top the cake
Holy moly, did you call in to confirm?
I don't even know when my first year cashback ends, I should secure chat and ask. My account opened March 17, 2017 but I changed my due date which warned me it could affect my cashback match period but didn't explain by what factors. So right now I have March 16, 2018 in my financial planning app but I assume it's related more to statements than actual calendar days...
Since I changed my due date, I didn't get a statement at all one month, so I figure they're going to give me the cashback match through 11 statements, which means I will likely lose a few days of the annual year count or so.
My statements were/will be:
If it ends at the 11th statement, that means I'll lose out on a whopping 4 days of double earn, but if I stuck to my original due date, my 12th statement would have been March 23, 2018 so actually 10 days of double earn. That's 1-3% of cashback match I may miss out on, not a lot but if it's a few grand total, it adds up!
I highly doubt they'll extend it to the 12th statement in April.
@ohjoy wrote:@$200 Secure Nov 2016 (~ 560 TU) graduated to unsecured @ 7 mos.
@Anonymous CLI @ 1 year to $1200 (755TU)
planning to hit the luv button tomorrow to see what happens.
Meanwhile, opened a 2nd IT card a month ago $1000 SL (760 TU)
I hope Disco treats me well with CLI's. I was salty about the $1K SL and put both cards in time out because of it.
Edited to add: Util 1-2%
So, I tried to cli on the card with $1200 limit (former secured). Declined. That does it. Both cards are officially SD. I don't think this card will grow because of the former status. #whatever #theyhateme
I wonder what the highest CL is of a card that was once secured!
@ohjoy wrote:
@ohjoy wrote:@$200 Secure Nov 2016 (~ 560 TU) graduated to unsecured @ 7 mos.
@Anonymous CLI @ 1 year to $1200 (755TU)
planning to hit the luv button tomorrow to see what happens.
Meanwhile, opened a 2nd IT card a month ago $1000 SL (760 TU)
I hope Disco treats me well with CLI's. I was salty about the $1K SL and put both cards in time out because of it.
Edited to add: Util 1-2%
So, I tried to cli on the card with $1200 limit (former secured). Declined. That does it. Both cards are officially SD. I don't think this card will grow because of the former status. #whatever #theyhateme
Cancel and move on... Many better cards out there for your score IMO. If you still want the card apply for the unsecured card down the line and get a much better SL.
SL $11,000
I've only had the card since July and haven't received any auto CLIs or hit the luv button yet.
Current TU Fico is 726 and I normally pif each month, but currently have about 7% utilization.
Data points visual chart based on posts up to this one. I didn't use anyone who didn't include a TU FICO, or anyone who made TU generalizations like "over 700" or "650-700" or whatever.
No real trend is visible at all, but the "trend line" does offer some insights with a bunch of outliers.
We would need 200 more data points (including past TU/credit limit data) to get more chart information.
Plus some folks in rebuilding mode -- there are only two data points < 720 and one of them is at 711.