Discover IT stuck at $1,800

[Outdoorstech1]

Have had Discover IT since April, still stuck at the same $1800 limit my Fico is around 667.  Any tips on how to get a little bump?  I usually use the card often for the 5% cash back rewards and have a balance month to month but keep it low. 

[Anonymous]

Call and ask if there is any SP CLI available. If not, then it will be a HP and you will probably be disappointed in the results.

[Anonymous]

It seems like Discover sometimes (often) takes over a year to show significant SP love. Knowing this I would call and speak directly with a csr to ask if a SP cli is available on your account as stated above and if not explain how an extra $500 wouldnt be sufficient. Unless it is and in that case stick with it Im saying $500 bc that seems to be the preferred increase amount chosen with a HP request

[chwebb1]

---

@Anonymous wrote:
It seems like Discover sometimes (often) takes over a year to show significant SP love. Knowing this I would call and speak directly with a csr to ask if a SP cli is available on your account as stated above and if not explain how an extra $500 wouldnt be sufficient. Unless it is and in that case stick with it Im saying $500 bc that seems to be the preferred increase amount chosen with a HP request

---

FWIW, I've taken 2 HPs to get a CLI on my Discover. The first one resulted in a CLI of $1000 (doubling my initial CL of $1000) and the second was a CLI of $750 (bringing my total to $2750). So they don't always give $500 HP CLIs.

[Anonymous]

Understandable which is why I didnt say always and Im only speaking based on what Ive personally noticed stated on this forum which is a small minority of the big picture. But good to know

[DiabolicallyRandom]

I am one of the lucky recipients of the HP $500 increase. I have had the card about a year and a half and I really have put the card to some good use, especially with the online shopping category. They never had any soft pull increases for me so I went ahead with the HP.  My transunion was 779 and my utilization is about 6%. It can vary for everyone, but I wouldnt go the route of a HP and expect excellent results. It, at times, seems as though they are more generous vis SP. I had read many accounts of this sort of thing so I wasnt really surprised or offended. YMMV.

[TRC_WA]

I'm just happy to be in the door with a $1500 card.

Not interested in HP $500 CLIs so I'll just sit back and see what happens with any SP CLI love...

I'll give it a year because I have other cards with higher limits and better rewards so it's not the end of the world either way.

[DiabolicallyRandom]

---

@TRC_WA wrote:

I'm just happy to be in the door with a $1500 card.

Not interested in HP $500 CLIs so I'll just sit back and see what happens with any SP CLI love...

I'll give it a year because I have other cards with higher limits and better rewards so it's not the end of the world either way.

---

I think discover is just one of those banks you have to be patient with. If that doesn't work for you, then they aren't the bank for you.

[TRC_WA]

---

@DiabolicallyRandom wrote:

---

@TRC_WA wrote:

I'm just happy to be in the door with a $1500 card.

Not interested in HP $500 CLIs so I'll just sit back and see what happens with any SP CLI love...

I'll give it a year because I have other cards with higher limits and better rewards so it's not the end of the world either way.

---

I think discover is just one of those banks you have to be patient with. If that doesn't work for you, then they aren't the bank for you.

---

I just read in another thread that Discover loves card usage and carrying a balance near the CL is a wise plan of attack during my 6 month 0% promotion so that's what I'm gonna do...  Hopefully that will lead to some SP CLI love.

Don't care about the UTI penalties I'm in the garden for the year anyway.  

I am more than patient... I used Barclay Apple for 16 months just to get in the door so I could get Sallie Mae.  

[DiabolicallyRandom]

yea, I have read the same. No better time than when you're in a holding pattern. I have always paid in full before statement cut. Maybe I'll give the same a shot when they next solicit me a balance transfer.