So to start with, I have 2 Discover cards
Card 1 $34,500 just over 5 years old
Card 2 $15,600 just under 2 years old
I have not requested an increase on either in a long time as I don't really need more credit.
Yesterday I was logged in to pay the bill and decided to see if I was at the max total credit limit relative to my income so requested an increase on both cards. Both card came back immediately with the 2 day message. In the past I have had good luck with the 2 day message (~70% of the time a cli shows up on the account).
This morning I checked the app and credit lines were still the same so I shrugged and told myself it is still early.
About noon today I get a call from discover about the cli on card 1. Lady tells me that I am approved for an increase to $36,000 and if that is not enough she can move some over from my other card. I politely tell her $36,000 is fine and I would like to keep the 2 cards separate; call ends with the normal polite good day wishes.
While I was on that call I received a second call from discover who left a voice mail asking me to call them. Today was rather busy so I just now got a chance to call them back. The guy puts me on hold to check for the reason I was called. When he comes back on the line he says "regarding the credit limit increase you made on your card, I see you are approved for a new limit of $20,500, if that is not enough I can move some of the limit from your other card over to this one". I declined the offer of moving limits around and tell him that the $20,500 is fine.
Now I have never gotten a call from discover about cli before and had not heard of anyone being offered the ability to move credit lines without resulting in closure of one of the cards so I thought I would share this new experience.
Has anyone else ever had this happen?
Oh and for the record
New total credit with Discover: $56,500
Reported income: $85,000
Percentage of Discover credit limits relative to income: 66.47%