cancel
Showing results for 
Search instead for 
Did you mean: 

Is this typical? [Discover CLI]

tag
Dreamwalker
New Contributor

Is this typical? [Discover CLI]

Glyph (iPhone app thingy) sent me a message telling me that some Discover cardmembers got 2% cashback for June. I chatted online, was told I didn't qualify, and rattled off a bunch of other things I hadn't qualified for, and was told my feedback would be forwarded on.

 

A few days later:

Congratulations! We're pleased to inform you that your outstanding credit management in the first year has earned you a credit line increase on your Discover® card.
 
The new credit line on your Discover card account is $650, of which your cash credit line is $300.
 

In the coming months, we will continue to evaluate your account in the first year and may continue increasing your credit line if you qualify. If you would prefer not to receive automatic credit line increases, simply give us a call at 1-800-347-3085.
 

Your increased buying power makes Discover card a great choice for all your purchases.

 

I got my card in February. Is this normal, or did my complaining actually get me somewhere? Smiley Happy

Walmart Store Card: $600 & Amazon Store Card: $1200
Amazon.com Visa: $500 & Chase Freedom: $3000
US Bank REI Visa Signature: $5500
Discover It: $100

TU-654 [03/18/2014]
Message 1 of 11
10 REPLIES 10
nicholasyud
Valued Contributor

Re: Is this typical? [Discover CLI]

it's work somehow...

 

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 2 of 11
Rackham94
Established Contributor

Re: Is this typical? [Discover CLI]

Probably the latter.

 

what was your starting CL? 500.00?

Message 3 of 11
LS2982
Mega Contributor

Re: Is this typical? [Discover CLI]

Discover is extremely conservative on CLIs so I would say your complaining helped!!




EQ FICO 548 3/3/16
Message 4 of 11
Dreamwalker
New Contributor

Re: Is this typical? [Discover CLI]


@Rackham94 wrote:

Probably the latter.

 

what was your starting CL? 500.00?


$500, cash advance line didn't change. Any idea how long it would take for me to get up to $2500? I plan to take out a student loan to get computer equipment and software, and any little bit of cashback would help. (I make about 14000 a year, so I realise, 'not any time soon' is a possible answer).

Walmart Store Card: $600 & Amazon Store Card: $1200
Amazon.com Visa: $500 & Chase Freedom: $3000
US Bank REI Visa Signature: $5500
Discover It: $100

TU-654 [03/18/2014]
Message 5 of 11
mauwow0682
Frequent Contributor

Re: Is this typical? [Discover CLI]

Well.. It really just depends. Like chase Discover's auto CLI are very random. Some people get lucky with heavy use. Just use it responsibly and request CLI every 6 months.

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge
Message 6 of 11
youngandcreditwrthy
Senior Contributor

Re: Is this typical? [Discover CLI]

I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 11
justforting
Regular Contributor

Re: Is this typical? [Discover CLI]

This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)Smiley Very Happy

 

But no more CLI after this February. Smiley Sad

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Message 8 of 11
Dreamwalker
New Contributor

Re: Is this typical? [Discover CLI]


@youngandcreditwrthy wrote:
I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.

Wouldn't that be the exception in this economy? Should I got BCE or Freedom? What should my AAoA be? It's pretty low considering I picked up the store cards a couple months ago.

 


@justforting wrote:

This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)Smiley Very Happy

 

But no more CLI after this February. Smiley Sad


 Very nice siggy. No more CLI, why?

Walmart Store Card: $600 & Amazon Store Card: $1200
Amazon.com Visa: $500 & Chase Freedom: $3000
US Bank REI Visa Signature: $5500
Discover It: $100

TU-654 [03/18/2014]
Message 9 of 11
justforting
Regular Contributor

Re: Is this typical? [Discover CLI]


@Dreamwalker wrote:

@youngandcreditwrthy wrote:
I had friends making $10,000 a year who have $5k limits from Chase. I say use Discover a few more months, then app for something like Amex BCE/ Chase Freedom.

Wouldn't that be the exception in this economy? Should I got BCE or Freedom? What should my AAoA be? It's pretty low considering I picked up the store cards a couple months ago.

 


@justforting wrote:

This letter sounds so familiar! I got exactly the same letter after holding my discover more for 4 months. So I would say, it's typical. Your CL is also exactly the same as what I have now (look at my siggy)Smiley Very Happy

 

But no more CLI after this February. Smiley Sad


 Very nice siggy. No more CLI, why?


I don't know why they won't give me another CLI. I am still quite heavily using it. Perhaps not time yet?

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.