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First of all big thank you to everyone that takes the time to post on these forums especially with data points. A few days ago i hit 32k on my Discover and im just amazed. I know discover acts differently with everyone but i wanted to just show you my personal journey it may be able to help someone.
Income 80k
The first year i was carrying a balance because of the 0% intro period. The $500 increases recieved was the bar type where you move the slider to the left or right.
Score took a hit on 3/16 when a collection reported that was not mine was successfully able to dispute it. From open to present 0 Baddies on report.
After the balance was paid in full after the one year all balances were paid in full every month. All credit increases received after 07/16 were two day review and all SP.
Card opened 07/15
Date Limit Score Spend
08/15 3.5k 758 $ 61.00
09/15 4k 740 $ 192.00
10/15 4k 737 $ 1910
11/15 4k 726 $ 335
12/15 4k 734 $ 0
1/15 4.5k 746 $ 2500 BT
2/16 4.5k 714 $ 0
3/16 4.5k 664 $ 0
4/16 5k 707 $1800
5/16 5k 712 $ 2600 PIF Total balance
6/16 6.5k 750 $ 1200
7/16 9.5k 743 $ 2300
8/16 9.5k 729 $ 1700
9/16 14k 714 $ 1500
10/16 14k 745 $ 2500
11/16 20k 727 $ 2800
12/16 26k 732 $1800
1/16 32k 740 $2000
My discover definitely seems to be on the usage CLI route. I have also seen somebody on these forums with very minimal spend get 4-6k increases. Anything is possible with Discover.
Thanks for reading i will be following this thread so if you have any questions feel free to reply and ill answer as best i can.
Great Data to know!
Congrats on the CLI!
Wow that's an awesome CL....are you stictly hitting the button monthly?
Thank you. I do hit it once a month after the statement cuts.
Thanks for sharing your data points and CONGRATS on your CLI!!!
I started my Discover card 2 years ago with a $10K CL. As of about a month ago I have $26K. They seem to like me too, which I'm not complaining about. Congratulations on your success too!