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I only have 3 credit cards and the oldest is a Cap 1 from May. I got this Discover It in September with a CL 6200. My third statement cut last night, so I hit the CLI Button just now and they approved $1500. I was afraid that if I didn't take it, they may lower the offer next time, but I canceled it anyway. I just couldn't decide whether I should wait to see if they do an auto and then hit the button after the auto? $1500 sound about right on a 6200 limit?
It's better than Cap1, I'll tell you that.
Thank you so much OpenG. The more I think about it, I think I'll just take the $1500. It does sound pretty generous to me considering my short history. If I get up enough nerve, I'll call in too.
All of my auto CLIs happened about a week after the statement cut
If I were you, I'd wait a week, then if you dont get one, request it yourself
That's just my personal experience, tho
Thanks everyone for the helpful info. SinjCeridan, wow. That's encouraging. I decided to accept it because the CLI they gave me in 3 months is as much as my whole credit line on Cap1 ($1500) even after credit steps. I think I'll try a steady slow build instead of trying to race to the top. And Discover has been really good to me so far.
Well guess what happened? I just logged into my email for the first time in a few days and saw the email from where I requested a cli and got $1500, but then there was another one on the same day where Disco gave me an auto CLI of $1600! It said I was going from 6200 to 7800 due to my good credit management. They apparently were already in the process of raising it when I requested. Anyway, I'll take it!
@Anonymous wrote:Well guess what happened? I just logged into my email for the first time in a few days and saw the email from where I requested a cli and got $1500, but then there was another one on the same day where Disco gave me an auto CLI of $1600! It said I was going from 6200 to 7800 due to my good credit management. They apparently were already in the process of raising it when I requested. Anyway, I'll take it!
Now THIS is a Wow moment. Congratulations!!!!
Thanks CreditInspired! I'm so excited to get an auto inc for using good judgement and keeping my util low. Discover has been great for me.