Discover it question (cli) help

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:

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@taxi818 wrote:

I just got approved for discover it on Tuesday. I realized today no one told me credit limit. So I just called them up and asked. Rep said 2500. Is this normal?  Are they stingy? 

My main question is. Because I don't have card yet. Is it ok to ask for cli upon activation or got yo luv button. That's barely enough  to cover Vance transfer. Want to consolidate. 

Advice from the pros here at myfico would be welcomed. Thanks all

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Discover is VERY stingy but some of had luck with calling them regarding BT and getting an increase, otherwise you can request SP cli every 90 days and they will come back and say if they will need hp or not and you can decide then if you want to do hp.

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A hit of the luv button is a SP?

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yes

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

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@taxi818 wrote:

I just got approved for discover it on Tuesday. I realized today no one told me credit limit. So I just called them up and asked. Rep said 2500. Is this normal?  Are they stingy? 

My main question is. Because I don't have card yet. Is it ok to ask for cli upon activation or got yo luv button. That's barely enough  to cover Vance transfer. Want to consolidate. 

Advice from the pros here at myfico would be welcomed. Thanks all

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Discover is VERY stingy but some of had luck with calling them regarding BT and getting an increase, otherwise you can request SP cli every 90 days and they will come back and say if they will need hp or not and you can decide then if you want to do hp.

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A hit of the luv button is a SP?

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yes

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*logs onto his Discover account*

[indiolatino61]

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@taxi818 wrote:

I just got approved for discover it on Tuesday. I realized today no one told me credit limit. So I just called them up and asked. Rep said 2500. Is this normal?  Are they stingy? 

My main question is. Because I don't have card yet. Is it ok to ask for cli upon activation or got yo luv button. That's barely enough  to cover Vance transfer. Want to consolidate. 

Advice from the pros here at myfico would be welcomed. Thanks all

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Freaking Stingy! Look at my Siggy and you'll see why mine is languishing in the darkness of the sock drawer...lol.

[maiden_girl]

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@taxi818 wrote:

So you guys are saying. Be happy with the 2500. .  Ok I will wait the 90 days. Want to make discover my go to card. Unless cap 1 increase limit on quicksilver. 

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Discover is very conservative. They aren't going to just extend you credit without seeing usage and responsibility with their card. I say just be happy with the 2500 you have. That's more than I got from Discover when I first opened my card. In 6 months, request a CLI. They will notify you if it will require a credit pull or not.

[taxi818]

Thank you. Yes. I will listen. Because. I will make this my go to card. Unless I leave the country. Then. Mastercard or visa. But i personally thought the limit was ok. So I have no issue. Even if they are conservative. Better than the cap 1 I got.

[lg8302ch]

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@Anonymous wrote:

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@Creditaddict wrote:

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@taxi818 wrote:

I just got approved for discover it on Tuesday. I realized today no one told me credit limit. So I just called them up and asked. Rep said 2500. Is this normal?  Are they stingy? 

My main question is. Because I don't have card yet. Is it ok to ask for cli upon activation or got yo luv button. That's barely enough  to cover Vance transfer. Want to consolidate. 

Advice from the pros here at myfico would be welcomed. Thanks all

---

Discover is VERY stingy but some of had luck with calling them regarding BT and getting an increase, otherwise you can request SP cli every 90 days and they will come back and say if they will need hp or not and you can decide then if you want to do hp.

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A hit of the luv button is a SP?

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If you can get all the way through  - YES ...but read very well as you get to a point where it will ask for permission to pull your credit and then you can still cancel but if you will continue without reading it will be HP.  I like that the Discover luv button lets you try for a SP CLI and you still can stop it if it requires a HP