Requesting CLI from Discover at 93 days. Current limit 750. Going for 5000.

[cottoncrown]

I will be calling discover after posting this to try to get my initial credit limit increased to 5000 from 750. I have a short but "perfect" credit history of six months. I have put through about 4000 dollars on the it card in the last three months paying multiple times a month. I'm curious how this will turn out. I will keep anyone interested posted after I call. I'm hoping they will counter with at least 3k.

[dodgerslv]

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@cottoncrown wrote:
I will be calling discover after posting this to try to get my initial credit limit increased to 5000 from 750. I have a short but "perfect" credit history of six months. I have put through about 4000 dollars on the it card in the last three months paying multiple times a month. I'm curious how this will turn out. I will keep anyone interested posted after I call. I'm hoping they will counter with at least 3k.

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good luck and definitely let us know! Discover has become one of my lowest limits prime cards. There were the first ones to give me a chance from any prime lender last year and thats the onlly reason i still keep them.

[09Lexie]

Good luck! That's a big bump

[cottoncrown]

I had to go on hold three times but was finally approved for 5k. The CSR sent me to a specialist, specialist asked me some questions, then said it looked good but had to "run some models" on my report to see if it were possible. I was on hold for about 3 minutes an he came back and approved me. So here is a little more history, my two oldest cards are cap one secured for 200 and a secured card from élan financial for 300 both opened in march. Discover was opened in may with a 750 limit. Current age of credit history is 5 months. I feel like I have done a good job so far at establishing credit and am now looking forward to getting some sweet sign up bonuses this fall! Thanks for all the info on this website!

[manwoot]

Congrats!  You did awesome for such a thin file and a conservative lender!

[john398]

Congrats, just curious do you know who which CRA the HP on your credit report on?

[FinStar]

I would imagine this has a HP?...since SP CLIs don't generally have such a high bump - unless your file/history has been fairly established.  If HP, then it was well-worth the CLI.

[cottoncrown]

Yeah I asked him and he said it was TU. It hasn't shown on CK yet though. Initially when I applied it was EQ.

[09Lexie]

I thought about asking for a Hp since they normally pull TU for CLI. But, I'm going to wait till next year...hopefully I'll keep getting those auto CLI's until then.

Congrats again!

[cottoncrown]

Thanks!