Low Limit Discover

[Anonymous]

I got a $1000 SL on my discover and i haven''t activated it for i do not want this card until i have much higher limit.

also, if i register this card now, i will not be able to apply for Slate/Freedom cards with chase for 5/24 rule,

what are my chances of getting higher limits on discover? I have not yet activated nor is it showing on my credit reports anywhere just yet.

[Anonymous]

If I were you, and I wanted a higher limit, I'd call them and see if they will reconsider giving me a higher limit.  Worth a shot!

Good luck!

[ScarlettClone]

If you applied for the card it will be on your report (and count against 5/24) whether or not you activate it.

You may as well keep the card and ask for a CLI.

[Anonymous]

that is  the debate i have. Previous experience with CreditOne has confirmed for me that it will not be reported until its activated.

[Anonymous]

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@Anonymouswrote:

If I were you, and I wanted a higher limit, I'd call them and see if they will reconsider giving me a higher limit.  Worth a shot!

Good luck!

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good idea its worth a shot worst they can say is no

[Adkins]

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@Anonymouswrote:

that is  the debate i have. Previous experience with CreditOne has confirmed for me that it will not be reported until its activated.

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Credit One is not Discover. Odds are, the card is going to report, even if you close it. 

[Anonymous]

lets see, they have issued 15th of every month their satement date?

will require a tough fight should discover choose to report, but wont give up that fight.

Experience is the best teacher.

[Viva-LV]

You might want to keep it, and work it for cli's.  Without knowledge of your profile, the limit given is something Disco feels comfortable with.  Word of caution: multiple posts lately about Chase canceling new approvals for 5/24 issues, new accounts and thin files.  Discover has tightened up about starting limits/limit increases over the last year, that may be the reason for your sl.  Call 'em, ask for more!

[Anonymous]

I just got my new Discover IT card, too. (Also got $1k SL, but no complaints here.) Before I activated the card, I read all the enclosures. Page 2 says they pulled Equifax. That was a surprise. I had figured they would SP Experian since I'm registered for Discover's Scorecard and EX is the score you get. After getting my updated EX score, I prequalified through the Scorecard link, and yet they pulled EQ for my card app. Same for you? Check your enclosed papers.

[Anonymous]

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@Anonymouswrote:

I got a $1000 SL on my discover and i haven''t activated it for i do not want this card until i have much higher limit.

also, if i register this card now, i will not be able to apply for Slate/Freedom cards with chase for 5/24 rule,

what are my chances of getting higher limits on discover? I have not yet activated nor is it showing on my credit reports anywhere just yet.

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@I had the same issue. This was my fourth CC and they gave me a $1k limit. My next lowest was the Cap1QS1 @ $7250 and my highest was the CSR @ $25,200. 

I called in to increase the limit and they refused. A few months later they lowered it to $600. I keep having Bt offers, so I transfer and pay in full within a few months. Still nothing. 

Wont seem to budge past $600. Two weeks ago, The same week that Discover rejected me (again) for a CLI, Chase gave me a $6500 CLI.

Hope your experience is bettter.