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Easy $3,500 CLI ... Citi and Disco

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Valued Contributor

Easy $3,500 CLI ... Citi and Disco

It's been a few months so I thought I'd try for SP CLIs on two of my cards.

Instant approvals ... yah! 

Easy and quick $3,500 extra credit!

No, I didn't "need" the limits but it's nice

to have the extra UTI padding, of course!   Smiley Happy 

 

Citi Costco Visa climbed from $30K to $33K ... same $3K increase they gave me a few months ago.

 

Discover IT Chrome (one of my oldest cards) climbed from $49.5K to $50K! 

(I'm wondering if $50K is the maximum line they give on one card?? Does anyone know?)




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 1 of 14
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Valued Contributor

Re: Easy $3,500 CLI ... Citi and Disco

Congrats on your increases!!
Message 2 of 14
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Super Contributor

Re: Easy $3,500 CLI ... Citi and Disco

Very nice, congrats!



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 3 of 14
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Valued Contributor

Re: Easy $3,500 CLI ... Citi and Disco

Congrats on the CLI's!  I'm curious on the Disco limit as well.




UNpopular opinions have served me well and will offer that which has worked for me.
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Valued Contributor

Re: Easy $3,500 CLI ... Citi and Disco

Congrats on your Citi and Disco luv!

Currently: Gardening since 12/2019




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Community Leader
Mega Contributor

Re: Easy $3,500 CLI ... Citi and Disco

CongratsSmiley Happy

No , 50k is not max. @EW800 has i believe a 73k Discover and im sure there are others with high limits just not alot frequent MFSmiley Wink
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Valued Contributor

Re: Easy $3,500 CLI ... Citi and Disco


 wrote:

Congrats on the CLI's!  I'm curious on the Disco limit as well.

 
@AverageJoesCredit wrote:
CongratsSmiley Happy
No , 50k is not max. @EW800 has i believe a 73k Discover and im sure there are others with high limits just not alot frequent MFSmiley Wink

Okay, thanks AJC.  I'm wondering though ... sometimes a lender has a maximum they will "approve" a type of credit card to be increased to, but then if you close and combine accounts, it seems that sometimes you can exceed that limit?  So I'm wondering if maybe those higher limits were from combined and closed accounts?  I've done that with some of my other cards, in particular lately with Chase.




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 7 of 14
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Super Contributor

Re: Easy $3,500 CLI ... Citi and Disco

 

Congrats on the CLI'sSmiley Happy

 

Message 8 of 14
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Community Leader
Senior Contributor

Re: Easy $3,500 CLI ... Citi and Disco

Yes Miss Disco can go higher... But do realize that your in IV territory (if my memory is correct usually around 40k and up) if you haven't gotten a request already.. But Discovers IV "used" to start with a call to your employer.... But it is rumored there is more thorough IV but not heard of a 4506-T from Discover.. But in general Disco's usually level out for high rollers in the 40-50k range... @EW800 is more the exception, than the norm... But just like Amex.. sometimes the slow route can grow it... if your income/dti support it... 

 

-J

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Valued Contributor

Re: Easy $3,500 CLI ... Citi and Disco


@joltdude wrote:

Yes Miss Disco can go higher... But do realize that your in IV territory (if my memory is correct usually around 40k and up) if you haven't gotten a request already.. But Discovers IV "used" to start with a call to your employer.... But it is rumored there is more thorough IV but not heard of a 4506-T from Discover.. But in general Disco's usually level out for high rollers in the 40-50k range... @EW800 is more the exception, than the norm... But just like Amex.. sometimes the slow route can grow it... if your income/dti support it... 


Thanks for those data points!

I may be an anomoly on this card for a few reasons.

(1) It is my oldest currently open card at 26 years.

(2) My income is very high right now  (over $350K)

(3) I have paid off five-figure balances with them in the past (BT Offers)

(4) My current DTI is very low except for mortgage.

 

I've thought of opening a Discover IT MILES card to get the effectively 3% cashback for a whole year of purchases (no spending caps) so wondering if they would give me an additional line (that I could combine later) or if they would steal from this line to approve it. 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $440K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 10 of 14
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