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Discover Luv

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12njoy
Super Contributor

Discover Luv

Today is my three month anniversary with Discover.  Initial credit limit was $6,500.  Decided to ask for CLI.  Rep said they couldn't increase without a HP.  I declined.  Opted instead to apply for USAA Visa.  Approved for $7,000.  That got me thinking.  Called Discover back and said go ahead and do HP.  Approved with new credit limit of $10,000.  First 5 digit limit since starting rebuild in March 2012.  Not doing to bad in the almost two years since starting.Smiley Wink

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 1 of 17
16 REPLIES 16
gdale6
Moderator Emeritus

Re: Discover Luv

Congrats on your CLI Smiley Happy

Message 2 of 17
12njoy
Super Contributor

Re: Discover Luv

@gdale6,

 

Now I can sit back and relax and wait for that elusive Duck card.

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 3 of 17
indiolatino61
Valued Contributor

Re: Discover Luv


@12njoy wrote:

Today is my three month anniversary with Discover.  Initial credit limit was $6,500.  Decided to ask for CLI.  Rep said they couldn't increase without a HP.  I declined.  Opted instead to apply for USAA Visa.  Approved for $7,000.  That got me thinking.  Called Discover back and said go ahead and do HP.  Approved with new credit limit of $10,000.  First 5 digit limit since starting rebuild in March 2012.  Not doing to bad in the almost two years since starting.Smiley Wink


Congrats! I'd be happy with your initial Discover limit...lol. Mine has not budged...Smiley Frustrated.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 4 of 17
12njoy
Super Contributor

Re: Discover Luv

@indiolatino61,

 

  If I could give you my Discover credit limit for your stats, you would have it in a minute.  Your stats are impressive.  That is really odd with your Discover.  I'm waiting for March (6th month anniversary) to knock on the Amex 3cli for my Blue Cash.

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 5 of 17
wreith
Frequent Contributor

Re: Discover Luv

Congrats on your CLI and new USAA card!!!  Smiley Very Happy

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 6 of 17
12njoy
Super Contributor

Re: Discover Luv

@wreith,

 

  Thank you.  I see USAA has been good to you

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 7 of 17
indiolatino61
Valued Contributor

Re: Discover Luv


@12njoy wrote:

@indiolatino61,

 

  If I could give you my Discover credit limit for your stats, you would have it in a minute.  Your stats are impressive.  That is really odd with your Discover.  I'm waiting for March (6th month anniversary) to knock on the Amex 3cli for my Blue Cash.


Thanks so much...it was an uphill battle for many years. This forum has helped me quite a bit and corrected many misconceptions and incorrect information I had about credit. Continued good luck and success to you.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Message 8 of 17
MsLadyRover
Valued Contributor

Re: Discover Luv

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 9 of 17
12njoy
Super Contributor

Re: Discover Luv

@indiolatino61,

 

  Thank you and likewise to you

(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 10 of 17
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