A bit shocked by Discover Credit Line!

[cjesser15]

Discover gave me an $11K starting limit which at the time was by far my highest limit. After a couple auto CLIs and one requested CLI I'm up to $18K which is still my highest limit. I always scratch my head when I see threads like this about Discover being stingy. Wish I knew what it was I'm doing right so I could share.

[taxi818]

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@vwgrrc wrote:

Just pulled the trigger on a Discover offer I repeatly received in mail. Instant approval for $1000. Really? $1000?

I have about $140K in total credit limit. Amex 30k, BBVA 20K, Arrival+ (got in April) 20K, and several prime cards well over $10K. All are original CLs other than Amex.

What would be the earliest possibile time to request a CLI from Discover? How much can I expect? HP or SP? Thanks

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90 days sp. obvious there is something there they are not liking. no worries it will grow very fast unlike the 1k limits one would get with Amex. I went from 2k to 10k in less than a year. So now issue. all was soft pulls on transunion as well. you are in the door is all that matters. And for the last 2 years they have blown amex out of the water. #1 in all catagories. Jd powers.

[jeffery581]

My disco it card started out at 1k. With in 3 months of opening they upped it to 4100. I did not ask for it and did not really use the card that much. Maybe they are trying to see how much love I will give them. 

[vwgrrc]

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@aussiesareforever wrote:

Discover is a "conservative lender". However, if you use the card often and well, they have generally been very liberal and generous with CLIs. I've had a 16K increase since last June, all have been soft pulls.

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Is that auto CLI or you clicked the button? $1000+ per month seems very aggresive!

[vwgrrc]

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90 days sp. obvious there is something there they are not liking. no worries it will grow very fast unlike the 1k limits one would get with Amex. I went from 2k to 10k in less than a year. So now issue. all was soft pulls on transunion as well. you are in the door is all that matters. And for the last 2 years they have blown amex out of the water. #1 in all catagories. Jd powers.

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Will the CLI button popup after 90 days? or I need to count 90 days and call discover? Thanks

[vwgrrc]

It's glad to see many of you have CL increased a lot in a short time. Do I need to show high utilization or low in order to get their auto CLI? Or probably it doesn't matter??

[taxi818]

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@vwgrrc wrote:

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90 days sp. obvious there is something there they are not liking. no worries it will grow very fast unlike the 1k limits one would get with Amex. I went from 2k to 10k in less than a year. So now issue. all was soft pulls on transunion as well. you are in the door is all that matters. And for the last 2 years they have blown amex out of the water. #1 in all catagories. Jd powers.

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Will the CLI button popup after 90 days? or I need to count 90 days and call discover? Thanks

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Well there is no cli buton to say. But under account management just put in information 90 days after approval. not 91 days but 90 and you will get cli. My first cli was for $500 Actually 2nd cli as well. But after it started going up fast.

[taxi818]

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@vwgrrc wrote:

It's glad to see many of you have CL increased a lot in a short time. Do I need to show high utilization or low in order to get their auto CLI? Or probably it doesn't matter??

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Doesnt matter. I only got 1 auto Cli with very high util. i was 5 days after i got a regular sp cli too. thought it was strange but it worked.

[aussiesareforever]

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@vwgrrc wrote:

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@aussiesareforever wrote:

Discover is a "conservative lender". However, if you use the card often and well, they have generally been very liberal and generous with CLIs. I've had a 16K increase since last June, all have been soft pulls.

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Is that auto CLI or you clicked the button? $1000+ per month seems very aggresive!

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Requested all my increases, from day 61. They always gave me 3K at a time. They declined one request and give me another 3K 2 weeks later. 

[Anonymous]

Been stuck at a $750 dollar limit with Discover for over 3 years now. Every CLI request denied because of late payments on my reports (student loans years ago.) I usually almost max the card out and PIF every month.  Perfect payment history with Discover, never been late. Income is six figures.  Pure craziness