You know what, I'm just gonna grab a handful and smear 'em all over my face. Take that wind!
Lol, Plenti, oops sorry Amex, to go around
Ok Op, in seriousness, just use your card and make timely payments. The truth is none of us can say how to entice cli because we all get treated differently. At least with Amex there is a method to their madness, set schedules and all. With Discover, usage, profile, geographical location, income, and other assorted goodies only seem to rile them up. Stick with the general feel, 30, 60, 90 days schedule and see where you land
@AverageJoesCredit wrote:
Ok Op, in seriousness, just use your card and make timely payments. The truth is none of us can say how to entice cli because we all get treated differently. At least with Amex there is a method to their madness, set schedules and all. With Discover, usage, profile, geographical location, income, and other assorted goodies only seem to rile them up. Stick with the general feel, 30, 60, 90 days schedule and see where you land
This is true no one knows how to truely get a CLI with Discover they either like you or dislike you based on whatever weird logic their system uses. Some get love every month while others with alot better profiles/income/etc get notta ever. They truely are the only lender I am clueless to how they work other than they like thin profiles with little credit or a person freshly out of a BK. Those are the only two things I see constant with them and whom seem to get higher SL's or more CLI's than others
Then obviously to muck up the water a bit more you throw in a few good profiles and they have high limits as well. while other "good" profiles get 1k-6k limits and are basically stuck after that.
@AverageJoesCredit wrote:
Ok Op, in seriousness, just use your card and make timely payments. The truth is none of us can say how to entice cli because we all get treated differently. At least with Amex there is a method to their madness, set schedules and all. With Discover, usage, profile, geographical location, income, and other assorted goodies only seem to rile them up. Stick with the general feel, 30, 60, 90 days schedule and see where you land
Sums them up quite well.
I seen them go dark on their card with me for over 6-7 months and then restart the 91+ day SP CLI routine.
After a long empty streak they came through with a 500 dollar spot over 3 months ago, i was carrying a 0% BT at the time since paid off and running no balance at all with them since then. The 91+ day cycle rolled around recently and Nada, so it's back to the dark again i guess on this end.
FWIW discover happens to be one of the longest running cards in my profile.
There's just no way of knowing with any certainty with them compared to other lenders so you pretty much have to wait until they do decide to throw a bone your way.
@CreditCuriousity wrote:
@AverageJoesCredit wrote:
Ok Op, in seriousness, just use your card and make timely payments. The truth is none of us can say how to entice cli because we all get treated differently. At least with Amex there is a method to their madness, set schedules and all. With Discover, usage, profile, geographical location, income, and other assorted goodies only seem to rile them up. Stick with the general feel, 30, 60, 90 days schedule and see where you landThis is true no one knows how to truely get a CLI with Discover they either like you or dislike you based on whatever weird logic their system uses. Some get love every month while others with alot better profiles/income/etc get notta ever. They truely are the only lender I am clueless to how they work other than they like thin profiles with little credit or a person freshly out of a BK. Those are the only two things I see constant with them and whom seem to get higher SL's or more CLI's than others
Then obviously to muck up the water a bit more you throw in a few good profiles and they have high limits as well. while other "good" profiles get 1k-6k limits and are basically stuck after that.
Well I have a thin file but I guess I didn't fall into the "little credit" bucket. 780+ EQ when I applied, 2 inquiries (Chase+utilities), 1 $15,000 limit BoA card with 5 years perfect history, aaaaaaaaaaaaaaaaand $2,500 semi-toy limit.
Actually, the computer only approved me for $2,000, and when I called the backdoor number, the analyst sounded genuinely excited he was able to increase my limit to $2,500. I was floored. 
Lol, at Discover, $500 increases are their version of Navy's mega increases
The tiers:
$300 The South Jamaica Special
$500 The Jim Carey Mask Super Special" We like you , we REALLY like you!
$1000-$1500 Chase maybe bigger but we've Discovered You Special
$1500-$5000 Front row New Years Eve Disco Ball Invitee Special
$5000 - $20000 The Executive Lounge Playa's Ball Special
$0-$0 AJC'S Credit Curiosity Spectacular Special
*** to newbs this is not real, though in fairness to reality, if you dont believe it MIGHT be real, just ask SJ on those $300 increases
$incerely AJC ESQUIRE, THE 3RD
The tiers:
$300 The South Jamaica Special
$500 The Jim Carey Mask Super Special" We like you , we REALLY like you!
$1000-$1500 Chase maybe bigger but we've Discovered You Special
$1500-$5000 Front row New Years Eve Disco Ball Invitee Special
$5000 - $20000 The Executive Lounge Playa's Ball Special
$0-$0 AJC'S Credit Curiosity Spectacular Special
*** to newbs this is not real, though in fairness to reality, if you dont believe it MIGHT be real, just ask SJ on those $300 increases
$incerely AJC ESQUIRE, THE 3RD
@arkane wrote:
@CreditCuriousity wrote:Well I have a thin file but I guess I didn't fall into the "little credit" bucket. 780+ EQ when I applied, 2 inquiries (Chase+utilities), 1 $15,000 limit BoA card with 5 years perfect history, aaaaaaaaaaaaaaaaand $2,500 semi-toy limit.
Actually, the computer only approved me for $2,000, and when I called the backdoor number, the analyst sounded genuinely excited he was able to increase my limit to $2,500. I was floored.
Welcome to the wacky world of Discover and most likely low likely a rough time growing your card for several years.. My guess after a year you will be at 5k which isn't really bad, but how they determine who gets the huge CL's 7k-15k limits is what really has me scratching my head as income doesn't seem to play a factor nor does score per say. What they do like seeing is not much credit as mentioned so they can be your main goto car IMHO. If anyone really understood what discover was looking for you would see alot more definitive answer which you don't see other than data points that make no apparent sense to the majority of the population other than pure speculation. I prefer the dartboard theory that you might of ran across and they throw a dart at the dartboard and that is your CL or CLI wherever it lands. I really despise them, but still have a card with them as have the best APR but the worse CL which makes me shake my head even more on their non-sense
I can definitely second the thin profile criteria. At the time I had only 2 cards reporting on my CRs with CLs totaling a paltry $700. Although I had already applied and was approved for 2 new cards earlier in the week, I pulled the trigger on the Discover pre-approval page and got 2 card offers. I opted for It Miles and got a whopping (for me and my humble profile) $8K SL. I do plan on making it my most favored card but I'm not too interested in CL increasing even by small amounts. It would be nice if there was more transparency though.
@CreditCuriousity wrote:
@arkane wrote:
@CreditCuriousity wrote:Well I have a thin file but I guess I didn't fall into the "little credit" bucket. 780+ EQ when I applied, 2 inquiries (Chase+utilities), 1 $15,000 limit BoA card with 5 years perfect history, aaaaaaaaaaaaaaaaand $2,500 semi-toy limit.
Actually, the computer only approved me for $2,000, and when I called the backdoor number, the analyst sounded genuinely excited he was able to increase my limit to $2,500. I was floored.
Welcome to the wacky world of Discover and most likely low likely a rough time growing your card for several years.. My guess after a year you will be at 5k which isn't really bad, but how they determine who gets the huge CL's 7k-15k limits is what really has me scratching my head as income doesn't seem to play a factor nor does score per say. What they do like seeing is not much credit as mentioned so they can be your main goto car IMHO. If anyone really understood what discover was looking for you would see alot more definitive answer which you don't see other than data points that make no apparent sense to the majority of the population other than pure speculation. I prefer the dartboard theory that you might of ran across and they throw a dart at the dartboard and that is your CL or CLI wherever it lands. I really despise them, but still have a card with them as have the best APR but the worse CL which makes me shake my head even more on their non-sense
Ha speaking of APRs, Discover gave me the absolute worst APR possible (24+%) just to rub it in some more, while BoA gave me the second best APR, yet Chase and even Barclays (
) gave me the best APR. At this point the dartboard theory makes the most sense to me.
Also I can't say no to 10% cash back (5% quarterly category + first year cash back match), so alas it's my co-daily driver for now.