topic Re: hit my discover cap in Credit Cards

hit my discover cap

zerbherb — Fri, 20 Nov 2015 01:13:10 GMT

they won't raise my limit so i can put my sk trip vacation on the card. I decided im using the card still and if its not at 3k in july when my double cash ends. I'm sock drawing it and charging nothing on it. Until they try to get my attention. 4 friends, 468$ each, not including rentals. Thats only lodging and lift tickets for 4 days of skiing and 5 nights.

i'm not pleased at all.

I'm going to jay peak if you were wondering the best mountain on th east coast . will be there from january 3rd to the 7th.

Re: hit my discover cap

myjourney — Fri, 20 Nov 2015 01:16:10 GMT

Discover can be different but when they do start the CLI door swinging.....It will GROW

Have fun on the ski trip

Re: hit my discover cap

Anonymous — Fri, 20 Nov 2015 01:25:59 GMT

Mine went from 3.4k to 14.5k in less than 18mos. Didn't get a CLI for the first 8mos, have some patience.
Still waiting for it to get cold enough for snow in this part of the east.

Re: hit my discover cap

PNW_Hunter — Fri, 20 Nov 2015 01:36:12 GMT

Discover can take a little while to warm up to you, in my experience. However, once the discover CLI train decides to stop and pick you up, buckle up, because the card will grow fast.

My Discover IT grew from around 8k to 24k in a few months.

Re: hit my discover cap

vanillabean — Fri, 20 Nov 2015 01:45:38 GMT

If your cap is increased for your ski trip, but you still get just 1% cash back, would you consider that growth?

Re: hit my discover cap

DeeBee78 — Fri, 20 Nov 2015 05:38:09 GMT

@zerbherb wrote:
they won't raise my limit so i can put my sk trip vacation on the card. I decided im using the card still and if its not at 3k in july when my double cash ends. I'm sock drawing it and charging nothing on it. Until they try to get my attention. 4 friends, 468$ each, not including rentals. Thats only lodging and lift tickets for 4 days of skiing and 5 nights.

i'm not pleased at all.

I'm going to jay peak if you were wondering the best mountain on th east coast . will be there from january 3rd to the 7th.

With 700+ scores, you could app and be approved for a plethora of cards that will start you off ten times higher than Discover.

Re: hit my discover cap

Anonymous — Fri, 20 Nov 2015 14:58:57 GMT

Yeah like I've said before. Stop obsessing over Discover and get some new cards like DeeBee78 said.

With your current scores you could get Cabelas (eq) Compass NBA Am Ex (ex), Comenity Credo Visa (eq),Double Cash (ex and eq),Macy's and Bloomingdale's Am Ex (ex), Barclay's Arrival (tu), Stash Visa (tu).

Those cards will all give you good sl's.

We can't change Discover. It's like trying to make a bad relationship work. It won't. Just move on. When they increase the Discover, they increase it. Just use it for small purchases like I do and focus on cards that will give you more.

Cabelas will give you $5000-$7000, Compass the same or more.My wife got $7000 on Credo with low 700 scores and $3500 on Arrival with a 680 TU. Macy's and Bloomingdale's Am Ex $3000. I got $3000 on DC with scores of 710-720.

Good luck with whatever you decide to do.

Re: hit my discover cap

Themanwhocan — Fri, 20 Nov 2015 15:05:05 GMT

Discover just stopped giving me 31 day CLI's, so perhaps they have changed their rules yet again. Hard to say for sure.

Re: hit my discover cap

takeshi74 — Fri, 20 Nov 2015 15:11:33 GMT

@zerbherb wrote:
I'm sock drawing it and charging nothing on it. Until they try to get my attention. 4 friends, 468$ each, not including rentals. Thats only lodging and lift tickets for 4 days of skiing and 5 nights.

i'm not pleased at all.

Creditors don't just raise limits to get your attention or just so you can charge some expected items for a trip. The limit you qualify for is determined based on your credit and income. If you're not pleased then look into addessing their concerns with your credit.

@DeeBee78 wrote:
With 700+ scores, you could app and be approved for a plethora of cards that will start you off ten times higher than Discover.

As always, it is never just about score.

Re: hit my discover cap

ojefferyo — Fri, 20 Nov 2015 17:52:38 GMT

Discover also isn't know to be the leader pack in giving the highest limit on your profile either.

Re: hit my discover cap

Kb109 — Fri, 20 Nov 2015 17:56:18 GMT

I've had my Discover card for a little over two years. Starting limit was $5,000 and it is now at $18,000 and I did not have to take any HPs to get it there. Give it time!

Re: hit my discover cap

itguy_65 — Fri, 20 Nov 2015 18:17:46 GMT

Mine started at $4500, now it's at $27,500, in less than 2 years with no HPs. It seems they don't give most people HUGE CLIs (myself included), mine have only been $1K-$3K at a time, but they are consistent with good use. My use has been $300-$500 per month, generally PIF each month. I have generally been able to get CLIs every 3-4 statement cuts.

Re: hit my discover cap

Anonymous — Sat, 21 Nov 2015 10:49:28 GMT

I'll let you charge it to my discover

Re: hit my discover cap

Anonymous — Sat, 21 Nov 2015 16:39:54 GMT

Discover is worth the wait. Be patient. I don't think you've hit a cap.

Re: hit my discover cap

zerbherb — Sat, 21 Nov 2015 16:47:25 GMT

on the bright side. a 6 hour drive 19 gallon tank. I'll probably end up filling up twice both ways. Thank god for january being the travel/gas quarter. 10% cash back on that .