Got in with Discover Finnaly! Toy limit tho

[Anonymous]

thanks all, You do have a point there cm, but with a 1k limit, it's not much to worry about for now

[CreditMagic7]

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@Anonymous wrote:

thanks all, You do have a point there cm, but with a 1k limit, it's not much to worry about for now

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Totally agree with you.

Hang in there with them.

They seem to do a whole lot better these days with credit increases then when i first started and maybe not take as long as before.

Good Luck

[Anonymous]

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@CreditMagic7 wrote:

Congrats! and keep in mind that Discover WILL reduce the APR i believe about every 6 months on request.

Was able to get my own APR down to a better comfort level in a few years after a high one just like yours.

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What CM said. The lower APR and the higher CL will come with Discover unlike some other cards.

[Anonymous]

Congrats! I like Discover! I have no credit history ever! I was prequalified & proceeded to application last tuesday, (approved for only 750 but higher SL than my 500 SL Visa with BofA ) card was supposed to arrive yesterday but it finally delivered today 7 days to be exact and still no HP in the CRA. Love the customer service and my new Pink Card!

[Anonymous]

Congrats to you as well Cami, they never HP'd me either. Guess we wil both Discover where this card takes us 

[Anonymous]

Very nice.  Congrats

[RootDet]

Congrats on approval.

Discover likes when you spend and pay it off. Maybe dangle a balance here and there, but nothing too long. Discover will grow with you as long as you keep the rest of your credit portfolio improving. In 2011, I started with 1K like you and grew it to 30k this month.  I sat at 25k for probably the last 1-2 years and just grow slowly with $500. Frankly, I did not ask for a cli in some cases for three years. 

Hang in there and watch it grow. Banks are usually way slower than credit unions.

[Anonymous]

FWIW, much more than a "toy limit" isn't really necessary for Discover, as it's a 5% rotating category card.  Anyone using it as a general spend card (non-category) could be doing as well or better with a card like the Citi DC.  That being said, the question then is how much do you really spend on a Discover rotating category per month?  I can't imagine for most that this number is all too significant.  I think it's common for all of us to want to grow our limits and I'd say Discover limits/CLI posts are of the greatest frequency here on myFICO.  I'm just as guilty of the next guy, taking it all personal when I don't get a CLI from Discover after many months of attempts.  When the dust settles and the smoke clears however, I'm only spending a couple hundred bucks per month with Discover on their rotating categories... so a $1000 "toy" limit would be fine for me and my $30k+ limit is next to irrelevant when you think about it.