topic Re: discover CLI :) in Credit Cards

discover CLI :) Update

scottwagnon — Thu, 13 Sep 2012 01:37:28 GMT

first cli without a hard pull

awsome! update....

this is the first cli that was offered to me online. this is also the largest cli from discover. in fact, i was be conservative and perhaps asked for a larger credit line.

Re: discover CLI :)

smc733 — Fri, 17 Feb 2012 01:07:32 GMT

Just curious, how come your cash line has never increased? My cash line has always increased as 1/2 of my total CL with Discover.

Re: discover CLI :)

aussiesareforever — Fri, 17 Feb 2012 01:22:31 GMT

Congrats

Re: discover CLI :)

Anonymous — Fri, 17 Feb 2012 01:24:52 GMT

nice! what was the CL before?

Re: discover CLI :)

scottwagnon — Fri, 17 Feb 2012 01:33:49 GMT

@smc733 wrote:
Just curious, how come your cash line has never increased? My cash line has always increased as 1/2 of my total CL with Discover.

yes. i know. it went from 300 to 500 a day or two after my first increase last year. it may increase again in a couple of days. i guess it is because i don't ask for cash cli at the time of my request.

you and i are in the same boat; be both have the same goals here.

Re: discover CLI :)

scottwagnon — Fri, 17 Feb 2012 01:38:53 GMT

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.

Re: discover CLI :)

scottwagnon — Thu, 13 Sep 2012 01:50:09 GMT

bump

Re: discover CLI :) Update

trumpet-205 — Thu, 13 Sep 2012 02:27:11 GMT

I'm so confused, they couldn't approve the full amount but gave you $2,500 CLI anyway?

Re: discover CLI :) Update

Anonymous — Thu, 13 Sep 2012 02:30:57 GMT

Congrats

Re: discover CLI :) Update

scottwagnon — Thu, 13 Sep 2012 03:02:22 GMT

@trumpet-205 wrote:
I'm so confused, they couldn't approve the full amount but gave you $2,500 CLI anyway?

everyone that gets approved gets this message. it is a generic message, knowing that most people will ask for a larger credit limit then they are willing to approve usually. i know its stupid, but thats how they do it. i wanted to be conservative about the limit to ask for, so they approved the whole amount.

Re: discover CLI :)

nicholasyud — Thu, 13 Sep 2012 03:54:29 GMT

@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.

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 ?

Re: discover CLI :)

maiden_girl — Thu, 13 Sep 2012 03:57:11 GMT

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.

Re: discover CLI :)

asteroidblues86 — Thu, 13 Sep 2012 04:00:26 GMT

@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.

Re: discover CLI :)

maiden_girl — Thu, 13 Sep 2012 04:28:57 GMT

@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.

Re: discover CLI :) Update

trumpet-205 — Thu, 13 Sep 2012 04:29:26 GMT

A lot of fast food do NOT accept Discover.

Re: discover CLI :)

scottwagnon — Thu, 13 Sep 2012 04:29:43 GMT

@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.

Re: discover CLI :) Update

Anonymous — Thu, 13 Sep 2012 04:37:43 GMT

Congrats!!!

Re: discover CLI :)

asteroidblues86 — Thu, 13 Sep 2012 07:45:44 GMT

@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.

Re: discover CLI :)

maiden_girl — Thu, 13 Sep 2012 07:58:44 GMT

Thanks!

Re: discover CLI :)

nicholasyud — Thu, 13 Sep 2012 13:45:20 GMT

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......