Discover is NUTS !

[azguy13]

Just my own data points but when I was approved for Discover back in 2014 (things could have changed) my report reflected CLs of:

Amex: 23,800

NFCU: 25,000

CSP: 10,500

I believe my initial CL with Discover was an even $10k but wow were they hard to get a CLI out of. They kept telling me I had an escalating balance and they could not approve it. The funny thing was I generally reported a total of about $200 on a $10k limit, haha. 

Oh well, that is just how Discover is I guess. Similar to Cap1 not giving out decent CLIs if you initially app'd for the card with lower credit but your credit has fully recovered. But then approve an app for Venture with a monster limit, haha.  

[pipeguy]

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@Anonymous wrote:
Just read the 100s of posts and comments supporting the fact that discover prefers more limited profiles over really thick ones with tons of accounts. Obviously nothing is set in stone and there's no hard rule but it is pretty understood unless one lives under a rock.

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My file is very thick (matches my thick skull), with my oldest open account (Amex) dated 1978, currently have over 20 open accounts in good standing and just under $300k in revolving credit limits, more if you count the ones that don't report like John Deere ($15k). I just got approved for a second discover, the miles version and have alreadey run just under $1k through it. I have no idea what Discover looks for in opening accounts, but high TCL and "thick files" are NOT a negitive factor in my experience. 

[Anonymous]

Cool.. I literally said there's nothing set in stone lol. It's just the vast majority; not EVERYONE. I didn't make a blanket statement did I?

[azguy13]

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@Anonymous wrote:
Cool.. I literally said there's nothing set in stone lol. It's just the vast majority; not EVERYONE. I didn't make a blanket statement did I?

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Nobody said you did. I was just sharing my data points. There is no need to get defensive. Everyone has a different experience and a good amount of people do not get approved with a thicker file and many people do. It is by no means a blanket policy and definitely a YMMV situation. This is a discussion, not an argument. 

[Anonymous]

I must've misunderstood your initial point azguy13. Apologies

[azguy13]

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@Anonymous wrote:
I must've misunderstood your initial point azguy13. Apologies

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It's cool. The downside to the internet is you cannot tell if someone is being sarcastic or what their tone of voice is. We are all still friends, haha. 

[Anonymous]

azguy13, very true comment above regardling Cap One and them never really forgiving people.  I'm in that boat and have stopped using their card as a result.

[Anonymous]

BrutalBodyShots yeah that is one annoying thing about cap1. If you go for their lower-tiered cards it's often difficult to get out of the lower CLs with those. Many just app for a QS or venture and get an instant $10- $20k. Crazy.

[Anonymous]

Yeah, it just doesn't make sense to me that they'll keep you stuck at a low limit with 1 card, but if you apply for another they'll give you a very big SL.  You're obviously the same person with the same profile and same scores.  If they're willing to extend you an additional $10k-$20k via a new line of credit, what's a fraction of that going to do to them if they add it to your existing credit line?  It's just a very odd business practice, IMO.

[kdm31091]

I thought it was fairly well known that Discover's analysts, whether they are "real" analysts or not, very rarely or never overturn a computer decision. It's just not how Discover works -- kinda similar to several other lenders. There isn't much point of a recon with Discover as they don't overturn decisions.

Keep in mind that even lenders you mention such as Chase have changed in more recent times (i.e. cannot override 5/24 even if they want to). There's a push among lenders to be more automated in credit decisions, so we will probably see a lot less human intervention going forward, and more "what the computer says, goes". Just the way of the world. Why pay analysts when a computer can make the decisions?

Discover can be a tough nut to crack for some; all I can advise is to keep gardening, keep utilization down and try again later.