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My first year with Discover - Data Points

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Valued Contributor

My first year with Discover - Data Points

This all started last year with Synch closing out my Sam's store card for non-usage (22-23 mo's no activity) $10K limit.

 

I applied for Discover after getting several mailings with specific rate listed on each one.  

 

Stats at time of opening:

7/27/15 744 EX pull

8-9 open cards ranging from $1500 (old HSBC card/now Cap One) - $29000 (JFCU)

couple of mortgages reporting

1 auto loan 

 

Typical monthly usage anywhere from $25 - $200 for monthly recurring bills and a couple of bonus usages for specific items like at Lowe's for 5% back.

 

TU scores during this period:

 

 Discover.png

 

7/27/2015Opening Limit$4,500 
10/21/2015Auto CLI$5,600$1,100
10/21/2015Manual CLI (Instant)$8,600$3,000
11/20/2015Manual CLI (2 Day Message)$12,600$4,000
12/14/2015Manual CLI (2 Day Message)  
1/12/2016Manual CLI (2 Day Message)  
1/21/2016Manual CLI (2 Day Message)$16,600$4,000
2/5/2016Manual CLI (2 Day Message)  
2/19/2016Manual CLI (2 Day Message)$19,600$3,000
3/14/2016Manual CLI (2 Day Message)  
3/21/2016Manual CLI (2 Day Message)  
4/4/2016Manual CLI (2 Day Message)  
4/11/2016Manual CLI (2 Day Message)  
4/18/2016Manual CLI (2 Day Message)  
4/25/2016Manual CLI (2 Day Message)$22,600$3,000
5/9/2016Manual CLI (2 Day Message)  
5/16/2016Manual CLI (2 Day Message)  
5/23/2016Manual CLI (2 Day Message)  
5/30/2016Manual CLI (2 Day Message)$25,600$3,000
6/13/2016Manual CLI (2 Day Message)  
6/27/2016Manual CLI (2 Day Message)  
7/4/2016Manual CLI (2 Day Message)  
7/11/2016Manual CLI (2 Day Message)  
7/18/2016Manual CLI (2 Day Message)  
7/25/2016Manual CLI (2 Day Message)  
8/1/2016Manual CLI (2 Day Message)$29,600$4,000
    

  (at this point I switched to a more liberal strategy of every other month)

 

10/1/2016Manual CLI (2 Day Message)$35,600$6,000
12/1/2016Manual CLI (2 Day Message)$42,000$6,400
2/1/2017Manual CLI (2 Day Message)$48,000$6,000

 

 Hopefully Discover will continue to grow over time since this one's slow but steady like the turtle in the race.  The highest I've seen for a CL without additional documentation is $50K so, here's to the 2nd year of growth towards $50K! 

 

I've started a new thread to track some of the trends with Discover as more info comes into the forums - unOfficial Discover

 

Prior to hitting the CLI button on 12/1 I stumbled upon some information regarding the follow up call to 800-347-4856 which goes to their "Lending" aka UW team in SLC UT CC.  Once you hit a certain limit with Discover apparently the hold beyond the 2-day message once approved by an analyst has to be sent to their Supervisor for the override approval.  I've been getting more OCD about the $XX,600 portion of the CL and asked about rounding up.  They said for something additional to the $6K increase would require a HP and additional review at that point.  I declined the HP and will just have to live with the 600 on the end.  Setting the clock for 2/1/2017 for the next attempt!

 

I didn't get a HP or anything but, when it finally updated from the supv processing they rounded it off to $42K instead of that nagging $600 on the end!!!!

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34 REPLIES 34
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Senior Contributor

Re: My first year with Discover - Data Points

Great job !
Message 2 of 35
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Established Contributor

Re: My first year with Discover - Data Points

Wow nice! Thanks for the detailed writeup. Seems like Discover can really grow if you're patient and use the card a lot.

Message 3 of 35
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Senior Contributor

Re: My first year with Discover - Data Points

Very nice, congrats 

Message 4 of 35
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Regular Contributor

Re: My first year with Discover - Data Points

Congrats!! Discover is awesome Smiley Happy 


As of 08/24/16: EQ: 650 | TU: 677 | EX: 661
Message 5 of 35
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Established Contributor

Re: My first year with Discover - Data Points

Very Impressive post and credit limit increases. 

 

Congratulations! 

 

PS I can't wait until I get my first increase... I love my Discover It! 

 photo AllCC.jpg11/22 FICO8: EX/697 TU/721 EQ/700 ~ Tip Toeing thru the Tulips in my Garden since 6/21
Message 6 of 35
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Established Contributor

Re: My first year with Discover - Data Points

That is impressive!!! Thanks for the willingness to share your data. I just recently got approved for the same amount. I hope to have even half that CLI success!

 

Would you mind sharing a generalization of your spending patterns on it? Was it your daily driver?

2/5/18 EX 738 TU 751 EQ 737 9% Util All reports on ice! Gardening again!
NFCU CR ($25,000) | BofA CR ($19,800) | Discover ($12,300) | BofA BBR ($7,000) | Amazon ($6,000) | Citi Costco ($7,900) | Marvel ($8,000) | Chase Amazon ($6,000) | Paypal MC ($8,000) | Barclay Apple ($4,300) | AMEX BCE ($12,000) | AMEX ED ($1,000) | Cap QS ($3,400) | GM Buy Power ($2,000) | Citi DC ($2,700) | Wayfair ($9,400) | Victoria's ($4,000) | NFCU CLOC ($15,000) | Tiffany & Co ($1,000)
Message 7 of 35
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Valued Contributor

Re: My first year with Discover - Data Points


@Noxqs wrote:

That is impressive!!! Thanks for the willingness to share your data. I just recently got approved for the same amount. I hope to have even half that CLI success!

 

Would you mind sharing a generalization of your spending patterns on it? Was it your daily driver?

 

 

Typical monthly usage anywhere from $25 - $200 for monthly recurring bills.  (not in rotation for daily use)

 

 


 

Message 8 of 35
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Valued Contributor

Re: My first year with Discover - Data Points


@austinguy907 wrote:

This all started last year with Synch closing out my Sam's store card for non-usage (22-23 mo's no activity) $10K limit.

 

I applied for Discover after getting several mailings with specific rate listed on each one.  

 

Stats at time of opening:

7/27/15 744 EX pull

8-9 open cards ranging from $1500 (old HSBC card/now Cap One) - $29000 (JFCU)

couple of mortgages reporting

1 auto loan 

 

Typical monthly usage anywhere from $25 - $200 for monthly recurring bills and a couple of bonus usages for specific items like at Lowe's for 5% back.

 

TU scores during this period:

 

 Discover.png

 

7/27/2015Opening Limit$4,500 
10/21/2015Auto CLI$5,600$1,100
10/21/2015Manual CLI (Instant)$8,600$3,000
11/20/2015Manual CLI (2 Day Message)$12,600$4,000
12/14/2015Manual CLI (2 Day Message)  
1/12/2016Manual CLI (2 Day Message)  
1/21/2016Manual CLI (2 Day Message)$16,600$4,000
2/5/2016Manual CLI (2 Day Message)  
2/19/2016Manual CLI (2 Day Message)$19,600$3,000
3/14/2016Manual CLI (2 Day Message)  
3/21/2016Manual CLI (2 Day Message)  
4/4/2016Manual CLI (2 Day Message)  
4/11/2016Manual CLI (2 Day Message)  
4/18/2016Manual CLI (2 Day Message)  
4/25/2016Manual CLI (2 Day Message)$22,600$3,000
5/9/2016Manual CLI (2 Day Message)  
5/16/2016Manual CLI (2 Day Message)  
5/23/2016Manual CLI (2 Day Message)  
5/30/2016Manual CLI (2 Day Message)$25,600$3,000
6/13/2016Manual CLI (2 Day Message)  
6/27/2016Manual CLI (2 Day Message)  
7/4/2016Manual CLI (2 Day Message)  
7/11/2016Manual CLI (2 Day Message)  
7/18/2016Manual CLI (2 Day Message)  
7/25/2016Manual CLI (2 Day Message)  
8/1/2016Manual CLI (2 Day Message)$29,600$4,000

 

 Hopefully Discover will continue to grow over time since this one's slow but steady like the turtle in the race.  The highest I've seen for a CL without additional documentation is $50K so, here's to the 2nd year of growth towards $50K!


Congratulations to you!...Thanks for sharing.Smiley Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 9 of 35
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Frequent Contributor

Re: My first year with Discover - Data Points

Definitely gonna put this to use during my first year with my Discover card. I do the same with my cards. I'll use certain ones for phones, groceries and all that. 

 

Looking forward to my new card.

 

This post is great. 

Cap1 Quicksilver || Amex Gold || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa

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