Discover IT Cli: 750 -> 2k, HP

adushenka · ‎01-07-2014

I wanted to get rid of 3 figures limits to archive my goals for this year and rebalance some payments.

I had no luck with CLI button on Discover website and had to call them and explain why I want my limit to be increased. they pulled TU report and increased it from 750 to 2k, so I'm finally all set

coldnmn · ‎01-07-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Platinum · ‎01-07-2014

Congrats !!!

CreditHealthy · ‎01-07-2014

Really! Discover it pulled my Equifax yesterday and approved me for a $1700 CL with a score of 659. I thought they pulled only Transunion that's why I decided to try for a card, my score with them is a 677, not that great but still better than equifax, I'm happy I was approved but didn't want another inquiry on equifax. Congrats on your new limit!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

adushenka · ‎01-07-2014

thank you! Congratulations to you too!

What other cards do you have? What limits? I think Discover likes high utilization which is not the case for me. Maybe that's why it's being that unflexible for CLIs. Another thing I can think about is my thin credit history file, just 20 months (that's why I have so many HPs).

Anyway, it's a good start,

* fixed my signature, I also have a Car Loan.

eviLution · ‎01-07-2014

Congrats!

My oldest account is only 18 months.

If I was you, I would've asked them to match the Freedom or try to get at least 5k.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG

Epcot · ‎01-07-2014

Congrats on the increase!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

CreditHealthy · ‎01-07-2014

Well, I just have three others Barclaycard with a $750 CL I know it's small but I'll take it! It was approved Yesterday as well. Cap one unsecured for $500 that I've had since June of 2011 and a secured Golden 1 credit union credit card for $250. I think I'll go in the garden for a while because I just took a 7 point hit on my Equifax, I don't have that many points to give away Congrats again!!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

adushenka · ‎01-07-2014

@eviLution wrote:
Congrats!

My oldest account is only 18 months.
If I was you, I would've asked them to match the Freedom or try to get at least 5k.

Freedom will be reported only in 1-2 months, so there is no way for them to see this limit in my report, as far as I understand.

adushenka · ‎01-07-2014

@JUNE2012 wrote:
Well, I just have three others Barclaycard with a $750 CL I know it's small but I'll take it! It was approved Yesterday as well. Cap one unsecured for $500 that I've had since June of 2011 and a secured Golden 1 credit union credit card for $250. I think I'll go in the garden for a while because I just took a 7 point hit on my Equifax, I don't have that many points to give away Congrats again!!

What about cap1 steps program? They increased my CL from 500 to 2000 automatically in 6 months.