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:
| 7/27/2015 | Opening Limit | $4,500 | |
| 10/21/2015 | Auto CLI | $5,600 | $1,100 |
| 10/21/2015 | Manual CLI (Instant) | $8,600 | $3,000 |
| 11/20/2015 | Manual CLI (2 Day Message) | $12,600 | $4,000 |
| 12/14/2015 | Manual CLI (2 Day Message) | ||
| 1/12/2016 | Manual CLI (2 Day Message) | ||
| 1/21/2016 | Manual CLI (2 Day Message) | $16,600 | $4,000 |
| 2/5/2016 | Manual CLI (2 Day Message) | ||
| 2/19/2016 | Manual CLI (2 Day Message) | $19,600 | $3,000 |
| 3/14/2016 | Manual CLI (2 Day Message) | ||
| 3/21/2016 | Manual CLI (2 Day Message) | ||
| 4/4/2016 | Manual CLI (2 Day Message) | ||
| 4/11/2016 | Manual CLI (2 Day Message) | ||
| 4/18/2016 | Manual CLI (2 Day Message) | ||
| 4/25/2016 | Manual CLI (2 Day Message) | $22,600 | $3,000 |
| 5/9/2016 | Manual CLI (2 Day Message) | ||
| 5/16/2016 | Manual CLI (2 Day Message) | ||
| 5/23/2016 | Manual CLI (2 Day Message) | ||
| 5/30/2016 | Manual CLI (2 Day Message) | $25,600 | $3,000 |
| 6/13/2016 | Manual CLI (2 Day Message) | ||
| 6/27/2016 | Manual CLI (2 Day Message) | ||
| 7/4/2016 | Manual CLI (2 Day Message) | ||
| 7/11/2016 | Manual CLI (2 Day Message) | ||
| 7/18/2016 | Manual CLI (2 Day Message) | ||
| 7/25/2016 | Manual CLI (2 Day Message) | ||
| 8/1/2016 | Manual CLI (2 Day Message) | $29,600 | $4,000 |
(at this point I switched to a more liberal strategy of every other month)
| 10/1/2016 | Manual CLI (2 Day Message) | $35,600 | $6,000 |
| 12/1/2016 | Manual CLI (2 Day Message) | $42,000 | $6,400 |
| 2/1/2017 | Manual 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!!!!
Congrats!! Discover is awesome 
@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:
7/27/2015 Opening Limit $4,500 10/21/2015 Auto CLI $5,600 $1,100 10/21/2015 Manual CLI (Instant) $8,600 $3,000 11/20/2015 Manual CLI (2 Day Message) $12,600 $4,000 12/14/2015 Manual CLI (2 Day Message) 1/12/2016 Manual CLI (2 Day Message) 1/21/2016 Manual CLI (2 Day Message) $16,600 $4,000 2/5/2016 Manual CLI (2 Day Message) 2/19/2016 Manual CLI (2 Day Message) $19,600 $3,000 3/14/2016 Manual CLI (2 Day Message) 3/21/2016 Manual CLI (2 Day Message) 4/4/2016 Manual CLI (2 Day Message) 4/11/2016 Manual CLI (2 Day Message) 4/18/2016 Manual CLI (2 Day Message) 4/25/2016 Manual CLI (2 Day Message) $22,600 $3,000 5/9/2016 Manual CLI (2 Day Message) 5/16/2016 Manual CLI (2 Day Message) 5/23/2016 Manual CLI (2 Day Message) 5/30/2016 Manual CLI (2 Day Message) $25,600 $3,000 6/13/2016 Manual CLI (2 Day Message) 6/27/2016 Manual CLI (2 Day Message) 7/4/2016 Manual CLI (2 Day Message) 7/11/2016 Manual CLI (2 Day Message) 7/18/2016 Manual CLI (2 Day Message) 7/25/2016 Manual CLI (2 Day Message) 8/1/2016 Manual 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.
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.
