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Valued Contributor
nicholasyud
Posts: 1,589
Registered: ‎08-13-2012

Re: discover CLI :)

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‎09-12-2012 08:54 PM

scottwagnon wrote:

credit limit was 2500 at account opening on sept. 24 2010. went to 4000 with hard pull on july 8 2011. today its 5500. so 1500 each time. i also lowered my standard purchase apr today from 18.24 to 16.24. :smileyhappy:

i thought they get you increase every 6 months ? are you used it heavy or just couple time a month ? how do you used it anw ?

 

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Message 11 of 22 (535 Views)
 
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: discover CLI :)

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‎09-12-2012 08:57 PM

Thats awesome! Congrats! Is a discover card worth applying for tho? I didn't think alot of places really accepted them? I usually only see VISAor MASTERCARD logos when I shop.

 

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Message 12 of 22 (534 Views)
 
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Regular Contributor
asteroidblues86
Posts: 199
Registered: ‎08-04-2012

Re: discover CLI :)

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‎09-12-2012 09:00 PM

maiden_girl wrote:

Thats awesome! Congrats! Is a discover card worth applying for tho? I didn't think alot of places really accepted them? I usually only see VISAor MASTERCARD logos when I shop.

 

I've had a card for a few years and I can only think of 3-4 places where the card was not accepted. I find that most places that accept visa or mastercard usually accept discover.

Message 13 of 22 (528 Views)
 
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: discover CLI :)

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‎09-12-2012 09:28 PM

asteroidblues86 wrote:
maiden_girl wrote:

Thats awesome! Congrats! Is a discover card worth applying for tho? I didn't think alot of places really accepted them? I usually only see VISAor MASTERCARD logos when I shop.

 

I've had a card for a few years and I can only think of 3-4 places where the card was not accepted. I find that most places that accept visa or mastercard usually accept discover.

Thank you!!!! After reading this, I went and applied for a Discover Card. Instantly approved, CL unknown but will have a card mailed to me in a few days. Now I'm gardening my credit til whenever. LOL.

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Message 14 of 22 (512 Views)
 
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: discover CLI :) Update

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‎09-12-2012 09:29 PM

A lot of fast food do NOT accept Discover.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
Message 15 of 22 (510 Views)
 
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Valued Contributor
scottwagnon
Posts: 1,266
Registered: ‎02-07-2010

Re: discover CLI :)

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‎09-12-2012 09:29 PM

nicholasyud wrote:

i thought they get you increase every 6 months ? are you used it heavy or just couple time a month ? how do you used it anw ?

 


i am a heavy user. it has been a over six (almost 7) months since my last increase.

EQ FICO 783 11/03/12 EX FICO 761 03/12/13
EQ VT 889 EX 858 TU 879 (VT is 501 - 990)
Credit Sesame score 801 (CS is 300 - 850)
Credit.com score 774 (C is 300 - 850) est. EX Fico 770

see my card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Message 16 of 22 (509 Views)
 
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Contributor
EandK23
Posts: 171
Registered: ‎09-12-2012

Re: discover CLI :) Update

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‎09-12-2012 09:37 PM

Congrats!!!

Starting Score: 632 (TU) 02/2011
Current Score: TU08: 743 (12/12) EX: 742 (Amex Pull) 09/2012
Goal Score: 780

Take the FICO Fitness Challenge

Message 17 of 22 (499 Views)
 
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Regular Contributor
asteroidblues86
Posts: 199
Registered: ‎08-04-2012

Re: discover CLI :)

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‎09-13-2012 12:45 AM

maiden_girl wrote:
asteroidblues86 wrote:
maiden_girl wrote:

Thats awesome! Congrats! Is a discover card worth applying for tho? I didn't think alot of places really accepted them? I usually only see VISAor MASTERCARD logos when I shop.

 

I've had a card for a few years and I can only think of 3-4 places where the card was not accepted. I find that most places that accept visa or mastercard usually accept discover.

Thank you!!!! After reading this, I went and applied for a Discover Card. Instantly approved, CL unknown but will have a card mailed to me in a few days. Now I'm gardening my credit til whenever. LOL.

Congrats! I hope you enjoy the card as much as I have.

Message 18 of 22 (459 Views)
 
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: discover CLI :)

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‎09-13-2012 12:58 AM

Thanks!

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Message 19 of 22 (455 Views)
 
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Valued Contributor
nicholasyud
Posts: 1,589
Registered: ‎08-13-2012

Re: discover CLI :)

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‎09-13-2012 06:45 AM

 

 


i am a heavy user. it has been a over six (almost 7) months since my last increase.

so u usedheavy then paid off or leave aall balance or.......more specific if you don't mind......

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Message 20 of 22 (390 Views)
 
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