Discover maximum CL without docs

[plastic_man]

Hi, the wife has been requesting SPs CLI on her discover IT card since 04 from a SL of $6k to actual line of $42k , usually after 3 months or so at a time.

My question is: How high can she go without a HP and requests for docs?

Her FICO from discover is 800. Income ~$100k.

[plastic_man]

Edit; card opened in 2014 not 2004.

[Themanwhocan]

Rumor has it that you need POI after $50k.

[Anonymous]

My Limit 59k with no documentation so far.

[plastic_man]

59k, no docs yet? I would say 60k would be the threshold ?? Anybody else?

She will try another time, by the end of next month. (Probably the last).

[manyquestions]

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@Anonymous wrote:

My Limit 59k with no documentation so far.

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Several other posters on various credit forums have reported being asked for POI docs when they crossed 50K on a credit line increase.  If you don't mind, about how long ago did you open your card, and how recently did you cross 50K?  Did you get to 59K through increases via clicking the credit limit increase link on the website or did you do it some other way?

[AverageJoesCredit]

Wow,59 k. It seems to me POI would probably be dependant on ones overall profile . For sure if i was getting sp clis no way would they give me 50k for someone with my income and profile but if someone is making really good money and maybe has several high credit limit cards in their profile, they would see that and probably decide they dont need POI yet. Just my thoughts for a Sunday lol

[Berk]

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@AverageJoesCredit wrote:
Wow,59 k. It seems to me POI would probably be dependant on ones overall profile . For sure if i was getting sp clis no way would they give me 50k for someone with my income and profile but if someone is making really good money and maybe has several high credit limit cards in their profile, they would see that and probably decide they dont need POI yet. Just my thoughts for a Sunday lol

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This is what determines when POI is required. Remember all the discussion about the FR when you requested above 25K with AMEX? Well, that has been disproven over and over. There is no "magic number" for when a financial review will be reqired from any lender. It is all dependent on the overall profile and their internal matrices.

[Anonymous]

Just keep in mind that with limits of over 40-50k (I forget the exact number) the way FICO treats the utilization on that account changes.

[plastic_man]

@mryflyguy. Do you mean that in a good or bad way?