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My first year with Discover - Data Points

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Super Contributor

Re: My first year with Discover - Data Points

Joe, that part may be true above.  However, looking at what has happened with Discover CLIs over the last 3+ weeks, I'm not sure anyone will be able to repeat what is posted in that chart above as it seems CLIs are drying out with Discover once you get to a certain limit.  While one may still be able to grow their card fairly quickly to around $20k, getting much past that has proven to be extremely difficult task (or impossible) for many.  Of course this is only going off of 3+ weeks of data, so there's a chance things could change or get "fixed" on Discover's end.  I certainly hope so!

Message 31 of 35
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Valued Contributor

Re: My first year with Discover - Data Points

Nicely done! 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 32 of 35
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Valued Contributor

Re: My first year with Discover - Data Points


@BrutalBodyShots wrote:

Joe, that part may be true above.  However, looking at what has happened with Discover CLIs over the last 3+ weeks, I'm not sure anyone will be able to repeat what is posted in that chart above as it seems CLIs are drying out with Discover once you get to a certain limit.  While one may still be able to grow their card fairly quickly to around $20k, getting much past that has proven to be extremely difficult task (or impossible) for many.  Of course this is only going off of 3+ weeks of data, so there's a chance things could change or get "fixed" on Discover's end.  I certainly hope so!


BBS, I understand - however, this is a new card ($2,500 SL) and I'm not planning to inflate it radically. I'd be happy to get it to par with my Cap 1 Platinum ($3,000 SL) once the Credit Steps increase kicks in (up by $500 to $3,500), assuming that I don't successfully request a CLI on that card in the meantime. In point of fact, I'm not sure whether I'd ever request CLI's more than quarterly at the very most, more likely per 6 months or even once annually.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 33 of 35
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Super Contributor

Re: My first year with Discover - Data Points

Those are very conservative goals, which I believe you'll have no problem meeting or exceeding.

Message 34 of 35
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Valued Contributor

Re: My first year with Discover - Data Points


@BrutalBodyShots wrote:

Those are very conservative goals, which I believe you'll have no problem meeting or exceeding.


I'm too darn old for risktaking! Smiley WinkSmiley Tongue

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 35 of 35
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