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Seem to be not so great limits..?

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Anonymous
Not applicable

Re: Seem to be not so great limits..?

If you look around here at approvals Disco is all over the place but generally for a light profile it's sub 5K and middle of the road usually tops out at 10K.  Rarely they will shoot out an approval for 15K or 22K.  Disco is a long term game.  However they will play the game nicer than others do.

Message 11 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?

Wher do I go to see them all together?
Message 12 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?


@Anonymous wrote:
Whats a not so great limit? I haven't read very many app sprees stories resulting in big limits. Although getting approved for all of them is better than most people do. Multiple apps over a short period of time can be seen as a sign of desperation often as a result of financial stress. The low limits are the banks way of mitigating some of the risk.

Personal experience says otherwise.  It's dependent on the profile.  The spree I did March-May I picked up 5 cards for 82K witht he lowest being 10.5K and highest 25K.  In the mix were a few denials for geo-fenced cards and 1 denial for 5+ inq's.

Message 13 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?


@Anonymous wrote:
Wher do I go to see them all together?

Here with a 3-bureau or CCT for a $1 trial

Message 14 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?

Do you know of any other places that don't charge 30 a moth after trial?
Message 15 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?

If you want to do it cheaply it's going to be more than a single site.  You can cancel the CCT and re-enroll when you need a full report & score.  Use the accounts that you have for the free score each month and don't pay for it unless you need it for something specific.

Message 16 of 52
AverageJoesCredit
Legendary Contributor

Re: Seem to be not so great limits..?

Discover sl cannot be determined by your profile alone. They can go left or right while your expecting full speed aheadSmiley Wink. Citi is more in line with giving lower sl even with good profile. Their saving grace is usually for someone with high income. I dont necessarily agree an app spree begets someone in financial trouble. More often than not its someone who doesnt know better or someone just trying to get their apps out of the way to grow together. My ho,ocSmiley Happy
Message 17 of 52
wasCB14
Super Contributor

Re: Seem to be not so great limits..?

Income?

 

I know many people can be reluctant to share it, but without knowing your income we might as well examine animal entrails for answers.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 18 of 52
Anonymous
Not applicable

Re: Seem to be not so great limits..?

Personal experience is just that.
As I said I haven't read "many resulting in big limits" never did I say it hasn't or can't happen. I've been around the forum for a while, yes I know it's dependent on profile, as well as economic factors, stated income and other variables.
Message 19 of 52
Remedios
Credit Mentor

Re: Seem to be not so great limits..?


@Anonymous wrote:

@Anonymous wrote:
Whats a not so great limit? I haven't read very many app sprees stories resulting in big limits. Although getting approved for all of them is better than most people do. Multiple apps over a short period of time can be seen as a sign of desperation often as a result of financial stress. The low limits are the banks way of mitigating some of the risk.

Personal experience says otherwise.  It's dependent on the profile.  The spree I did March-May I picked up 5 cards for 82K witht he lowest being 10.5K and highest 25K.  In the mix were a few denials for geo-fenced cards and 1 denial for 5+ inq's.


You might have mentioned it a few times. 

Message 20 of 52
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