topic Re: Is this typical? [Discover CLI] in Credit Card Approvals

Is this typical? [Discover CLI]

Anonymous — Fri, 07 Jun 2013 01:26:30 GMT

Glyph (iPhone app thingy) sent me a message telling me that some Discover cardmembers got 2% cashback for June. I chatted online, was told I didn't qualify, and rattled off a bunch of other things I hadn't qualified for, and was told my feedback would be forwarded on.

A few days later:

Congratulations! We're pleased to inform you that your outstanding credit management in the first year has earned you a credit line increase on your Discover® card.

The new credit line on your Discover card account is $650, of which your cash credit line is $300.

In the coming months, we will continue to evaluate your account in the first year and may continue increasing your credit line if you qualify. If you would prefer not to receive automatic credit line increases, simply give us a call at 1-800-347-3085.

Your increased buying power makes Discover card a great choice for all your purchases.

I got my card in February. Is this normal, or did my complaining actually get me somewhere?

Re: Is this typical? [Discover CLI]

nicholasyud — Fri, 07 Jun 2013 02:00:16 GMT

it's work somehow...

Re: Is this typical? [Discover CLI]

Rackham94 — Fri, 07 Jun 2013 02:01:13 GMT

Probably the latter.

what was your starting CL? 500.00?

Re: Is this typical? [Discover CLI]

LS2982 — Fri, 07 Jun 2013 02:03:24 GMT

Discover is extremely conservative on CLIs so I would say your complaining helped!!

Re: Is this typical? [Discover CLI]

Anonymous — Fri, 07 Jun 2013 02:05:45 GMT

@Rackham94 wrote:
Probably the latter.

what was your starting CL? 500.00?

$500, cash advance line didn't change. Any idea how long it would take for me to get up to $2500? I plan to take out a student loan to get computer equipment and software, and any little bit of cashback would help. (I make about 14000 a year, so I realise, 'not any time soon' is a possible answer).

Re: Is this typical? [Discover CLI]

Anonymous — Fri, 07 Jun 2013 02:20:15 GMT

Well.. It really just depends. Like chase Discover's auto CLI are very random. Some people get lucky with heavy use. Just use it responsibly and request CLI every 6 months.

Re: Is this typical? [Discover CLI]

youngandcreditwrthy — Fri, 07 Jun 2013 15:13:49 GMT

I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.

Re: Is this typical? [Discover CLI]

justforting — Fri, 07 Jun 2013 16:51:07 GMT

This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)

But no more CLI after this February.

Re: Is this typical? [Discover CLI]

Anonymous — Fri, 07 Jun 2013 18:30:56 GMT

@youngandcreditwrthy wrote:
I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.

Wouldn't that be the exception in this economy? Should I got BCE or Freedom? What should my AAoA be? It's pretty low considering I picked up the store cards a couple months ago.

@justforting wrote:
This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)

But no more CLI after this February.

Very nice siggy. No more CLI, why?

Re: Is this typical? [Discover CLI]

justforting — Fri, 07 Jun 2013 19:20:54 GMT

@Anonymous wrote:
@youngandcreditwrthy wrote:
I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.
Wouldn't that be the exception in this economy? Should I got BCE or Freedom? What should my AAoA be? It's pretty low considering I picked up the store cards a couple months ago.

@justforting wrote:
This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)

But no more CLI after this February.
Very nice siggy. No more CLI, why?

I don't know why they won't give me another CLI. I am still quite heavily using it. Perhaps not time yet?

Re: Is this typical? [Discover CLI]

stema8701 — Sat, 08 Jun 2013 15:30:28 GMT

They have always given me Auto CLI's.. I've had 3 Auto CLI's since I got the card last September. I use it heavily and pay in full..