Discover is losing it with me....

[Kenny]

I will never understand this mindset.. but to each his own.

If you want a CLI -- they enjoy usage.. just like any other card. SD'ing it isn't going to make you a stronger candidate. How long have you had the card? You make it sound like you've had it a year... it's good to keep things in perspective. Not all companies go around giving a CLI every month, two, or three since the account was opened.

[adavis425]

I'm with the OP. I've had my Discover for a year ($1000 cl) and have inquired online and on the phone about a cli only to be denied because the account is too new. I use 90-95% of the cl each month and PIF. I do this mainly because of the ShopDiscover feature along with daily charges, but I'm constantly bumping up against my limit.  What gives with Discover?

[dap1984va]

Not trying to be the bad news bear or anything......But if you request a CLI at the 3rd 6th or 12th month or the 1st 2nd or 3rd month it is still a SOFT PULL, which means they are checking the credit report...and 650-660 are not exactly "good scores" in any light. . Maybe that may play a factor??? I am sure scores are not the only part of the equation..but scores are a part of the equation. People with less than honorable scores should be looking to improve the credit profile instead of reading forums and trying to get 5k, 10k, and 20k+ cards like "everyone else". Personally Discover is one of my Top 3 cards.

[Plasticard]

Just wanna throw in my two cents. Basically I've had my Discover IT card since 3/13, and have had 3 total CLI's so far. They seemed to give me an increase every 3 months. The three CLI's I received were on 6/13, 9/13 and then 12/13. Started out with a $3,000 credit limit, and since opening have always had a balance of $1,500 - $2,000 to make use of the 0% intro APR but at the same time didn't wanna get balance too high to max it out. Maybe they like to see heavy usage on the card? The way I see it, why would they give any increase if all that is being used is a $100 a month on a say a $1,000 limit.

[Jbb2788]

Dap- The scores in my sig are from October, I checked experian today and I'm at 710. I'm not a kid, I don't just read forums and try to get the highest possible credit limits. I need the extra because I use it. 

[youngandcreditwrthy]

Discover likes heavy usage and balance carrying. Since Ive got my Discover card, Ive carried a balance on it and have received 4 clis. Went from 4000 to 10,000. I've had anywhere from 25 to 80% util on the card, often using it for purchases and a few small bts. I had 60% util on my last cli and got a $4750 cli!

[youngandcreditwrthy]

Maybe you should try leaving a balance on there of a few hundred. If it's at 0% why sweat it?

[Jbb2788]

Congrats Young! I max mine out every month but I pay it off and never carry a balance, they didn't give me the 0% ARP. 

[LearningMoreAboutCredit]

Look at it this way...at least you're in.  I was denied altogether and told to apply for joint app.  I laughed and politely refused.  Advised to wait for letter but I already know what that means...insufficient income compared to existing credit obligations (credit:income ratio is 2:1).  C'est la vie 

On the other hand, sorry for the denial(s).

[asteroidblues86]

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@Jbb2788 wrote:

Lowest credit line ($800), been told just TODAY 3 different dates for when I'm eligible for a credit line increase (No one seems to care about the inconsistancy), To the sock drawer it goes! I'll keep it open for the free FICO score only I guess. Anyone else ever have these issues with Discover? I was pretty excited when I was approved for the card but I'm telling you, I'm not impressed!

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You may want to rethink that. I find the best way to get an increase is to put regular use on the card. Discover is a bit of an underdog compared to Visa/MC/Amex so they tend to reward loyal customers.