2 Amex approved

[JustBPatient]

Well done on the Amex cards.  The actual limit of the PRG will grow based on spending habits on the card.  You can check what you will be approved for with their online tool in your account page.  In my opinion, that's a horrible offer on DCVR.  You should hold tight, let the accounts age, and you will get better offers from DCVR in no time.  Good luck!!

[Anonymous]

True. What amount does discover usually approve for with my credit score

[Anonymous]

My Discover started at 23.74, just recently lowered to 19.74. I no longer carry a balance on this card, so I'm not too concerned about the APR. I only use it for the bonus 5% reward categories which change every three months, then PIF when the statement cuts. If you plan on carrying a balance, it may be worth your while to wait, but if you plan to PIF every month, APR shouldn't be an issue. Good luck whichever you decide.

[Anonymous]

Thanks. Yeah I just wish I really wish i knew what range the prg limit is so I don't use it somewhere and get declined. Is the online tool you refer to "check spending power"? Does using that tool affect anything? I thought i read somehwere its not good to click it a lot. I'm guessing I should just use this card instead of my debit card so my spending habits grow? Sorry for all the questions and thanks

[Anonymous]

@wedge how much did you get approved for with your discover?

[BronzeTrader]

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@601fluguy wrote:
I think you will like the prg once you get to know it. If you look at the account more closely, it should tell you your "spending power", that's pretty much the spending limit. Mine is $35k. Also, balances on your prg don't affect your revolving credit utilization.

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Not sure if this is true.  When you go to "Spending Power", you type in the expected purchase, such as $5,000 for a family trip.  Then you get approved or denied.  Of course you can just type in $50,000 to see what happens.  But it serves no purposes.  

So I'm not sure where you get this limit of $35k....

[Anonymous]

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@Anonymous wrote:
@wedge how much did you get approved for with your discover?

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Was approved in 2014 with $1900 SL. I didn't start requesting CLIs until this year. Got one in July for $300, another earlier this month for $1100, bringing current SL to $3300. I think if I would've been more aggressive with CLI requests, the SL would probably be over 10k by now.

[601flyguy]

Well... I never said to actually check spending power... I said "if you look at the account more closely, it should tell you your spending power". I believe it shows $35k under "balance details>pay over time details" to be more specific. Either way, the $35k is not a hard limit, its whatever amex feels comfortable with you spending, could be more could be less.
OP, i think the PRG will really help you with it having NPSL. It will still report and build history.

[Anonymous]

@601fluguy Can you direct me to how you see this 35k. I'm on my account but I don't have any option that says balance details or pay over time details... Thanks for your help

Increasing my credit lines was my primary focus to jump my credit score. I have old cards so I dont need history. I need more credit reported

[Anonymous]

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@Anonymous wrote:
@601fluguy Can you direct me to how you see this 35k. I'm on my account but I don't have any option that says balance details or pay over time details... Thanks for your help

Increasing my credit lines was my primary focus to jump my credit score. I have old cards so I dont need history. I need more credit reported

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The Spending Power link is on the main page, in the left hand box thats shows your payment due and balance,