Ugh.....why does Disco hate me?

[Shadowfactor]

Dont feel bad OP.

I've had my discover for 20 months now roughly. Started out at $200. My fico scores has increased 180 points since first getting the card.

I ask every month for a CLI but have only been approved twice. currently sits at $1600.

In the past 3-6 months I've had several approvals for 10K-19.8K CL's. I'm not what discover is looking for.

Discover is great for some but after they nerfed about every good benefit from the card. They aren't what I'm looking for either.

I keep the card open because its my oldest open account.

[Anonymous]

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@Noximus03 wrote:

Had the it card for about 110 days at $1500 initial CL, and my FICO's have increased by 25-38 points since approval day. I tried online today to get a CLI.....no dice. Like insta no. I called in and the nice lady told me I havent had the card long enough?? I'm guessing CLI criteria is different from user to user? 

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My card went five months and no dice...  after that, I got three increases, $500.00, $500.00 and $1,000.00 three months in a row.

[Anonymous]

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@Shadowfactor wrote:

I've had my discover for 20 months now roughly. Started out at $200. My fico scores has increased 180 points since first getting the card.

I ask every month for a CLI but have only been approved twice. currently sits at $1600.

In the past 3-6 months I've had several approvals for 10K-19.8K CL's. I'm not what discover is looking for.

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It's all relative honestly and when you look at it from that perspective, you're doing just fine.  A $200 SL could be their lowest possible (I'm not sure) which is suggestive of a weak profile in their eyes.  That being said, you've taken your SL to 8X what it was.  My SL was $12,500; 8X that would be an even $100k limit.  I'm not even to half of that, so in terms of a percentage/proportional gain you're actually in a very good place in terms of growth.  It's really just your extremely low SL that suggests otherwise, but looking past that your growth isn't bad.