Discover card

[KneelBeforeZod]

I started off at $10k. They like usage, on time payments, and paying well more than the minimum. I'm at $15k one year after getting the card.

I am not happy with the APR though and have only used it to pay Netflix just to keep it active. They're my highest at 21.99%. I might play chicken with them to see if they will lower the APR. The 0% intro was a beautiful honeymoon though.

[Anonymous]

Thanks everybody, really hepful.

[Gunnar419]

In addition to liking to see usage, they are okay with and perhaps even favor carrying balances. I've had my Discover card for ~20 years and they've given me CLIs when my util was in th 40% range. My util with them has been as high as 65-70% and it's never worried them. During this time, I've received many CLIs and a few of the little "gifts" Discover likes to surprise its customers with. They've lowered my APR and given me their special bonus deals (currently 0% interest for a year + double cashback).

I've always paid well above the minimum (at least 2X and usually 3 or 4x). That probably helps, too.

They're not one of those lenders like Amex or Chase that can get jumpy over normal activity.

[Anonymous]

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@Gunnar419 wrote:

In addition to liking to see usage, they are okay with and perhaps even favor carrying balances. I've had my Discover card for ~20 years and they've given me CLIs when my util was in th 40% range. My util with them has been as high as 65-70% and it's never worried them. During this time, I've received many CLIs and a few of the little "gifts" Discover likes to surprise its customers with. They've lowered my APR and given me their special bonus deals (currently 0% interest for a year + double cashback).

I've always paid well above the minimum (at least 2X and usually 3 or 4x). That probably helps, too.

They're not one of those lenders like Amex or Chase that can get jumpy over normal activity.

Thanks, a lot for info.

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[takeshi74]

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@Anonymous wrote:

What behaviour does Discover like from its cardholders?   PIF or leave a balance,  utilization , etc.  How often do they auto CLI? Appreciate any suggestions, just starting out with them. 

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Do not rely solely on usage.  CLI's are primarily determined based on what one's credit -- not just one or two factors but one's entire credit profile -- and income qualify for.

[Anonymous]

The board here has a lot of info that the Discover gravy train is over, but I've found that isn't true. I've gotten two soft pull increases on my Discover, which has only been open since late June. And two increases in one 30 day period of time, so it isn't true you have to wait 90 days either.

I always PIF. I've never gotten an auto CLI, but have requested increases online using a soft pull. I put a few hundred dollars on the card every month.

[Anonymous]

the gravy train is technically over but there are still some members getting good CLIs often. but the vast majority is over.

[Anonymous]

Think theres a misconception about the gravy train. It seems to be over for members like myself who got 6 increases within like 3 months. But if you're just starting with Discover increases thats different. At least thats how I see it from reading lots of posts here on the subject. Train might still be rolling for others but we've exhausted our love!

[Anonymous]

i haven't been welcomed to it unfortunately. lol

[Open123]

My experience differs slightly from most of the accounts here.

When I do use the card, I don't recall CLIs or "additional" enticements.  When I don't use them (3 or 4 months of zero activity), I've received a couple CLIs and various minor enticements.  I've always PIF, never carried a balance, and can't recall ever using the card for anything but the 5% categories.  They've lowered my APR, but I think it's still something like 13.99%.