Has anyone gotten a credit line increase on their Discover card after it graduated? By this, I am talking about any CLIs that occured after the one you may have gotten after the one you got when your card graduated. I am asking this because I run a lot of spend through my card with them, but I think it has now been a year since my card graduated and I have not gotten any CLIs since then. My credit scores haven't moved a lot over the last year and my credit utilization is high (paying down other debts), so I am thinking these factors are what is holding me back. Below is a graphic about the spending I have done on the card.
Mine graduated October 2018 after 30 months secured. Modest cli at graduation, $200 to $750, nothing since. I haven't actually asked often, maybe a couple times, because like you, my utilization has been high and my scores pretty much stagnant. Nothing on the prequalifier for a second card either but I have 3 unpaid collections still reporting that won't fall off until next year. Perhaps once those fall off along with most of my inquiries from 2018 my profile will be better suited to request a cli and/or a second card.
I received a bump from $1k to 1.5k upon graduation 5 months ago. Nothing else yet including two denials for self inflicted CLI's. 1% UTI.
Edit: Make that 3 CLI denials
@spiritcraft1 I think this is exactly the kind of info I am looking for. I am wondering if there are cases of CLIs past the initial one at graduation.
@RehabbingANDBlabbing wrote:@spiritcraft1 I think this is exactly the kind of info I am looking for. I am wondering if there are cases of CLIs past the initial one at graduation.
I haven't seen anything recently but I could swear there are some out there that had their CL grow large. In a little over a year, they will have no excuse!
My card unsecured December 2018 and got a $1000 CLI at that time. I requested a CLI and was given $300 in September 2019.
I have a second Discover card (never secured) opened in August 2018 with $1000 CL. It got an auto-increase to $1600 in April 2019. I requested a CLI and gave me another $300 in June 2019.
I request CLI on both cards monthly.
My score shot up about 50-60 pts in June 2019. Util has ranged from 1-24% in the time I’ve had the cards. I do have a zillion new accounts (almost everything in my signature is less than 2 years old). I suspect Discover is not fond of that.
My Discover cards are some of my lowest, and slowest moving Bankcard limits. As such, they are some of my least used.
I have a second Discover card (never secured) opened in August 2018 with $1000 CL. It got an auto-increase to $1600 in April 2019. I requested a CLI and gave me another $300 in June 2019.
I request CLI on both cards monthly.
My score shot up about 50-60 pts in June 2019. Util has ranged from 1-24% in the time I’ve had the cards. I do have a zillion new accounts (almost everything in my signature is less than 2 years old). I suspect Discover is not fond of that.
My Discover cards are some of my lowest, and slowest moving Bankcard limits. As such, they are some of my least used.
