What's your Discover CL?

[fused]

Very nice! The APR on my Discover card was 9.99% before I closed it.

[Anonymous]

Opened June 2008 with a $6000 CL. December 2008 CLI'd to $10,000, with a hard pull.

No love at the anniversary this year. 

[plasticguy]

DISCOVER FIN SVCS LLC

Address:
PO BOX 15316
WILMINGTON, DE 19850


Limit High Balance History:
Between Oct 2008 and Jun 2009, your credit limit/high balance was $16,000
Between Apr 2008 and Sep 2008, your credit limit/high balance was $15,000
Between Oct 2007 and Mar 2008, your credit limit/high balance was $12,500
Between Aug 2007 and Sep 2007, your credit limit/high balance was $10,500


Account was open April 06. at $7500. No increase since Oct 08 due to reaching Max allowed

[DI]

I pay my cards in  full each month.  I got my Discover in July.  Do I have to allow Discover to earn interest from me to get a CLI?

[Anonymous]

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@DI wrote:
I pay my cards in  full each month.  I got my Discover in July.  Do I have to allow Discover to earn interest from me to get a CLI?

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No, but you will have to wait at least six months between them now.  I've had 3 clis in 2 years - 4k to 7k - only carried a BT balance for one of those, pif'd thereafter.  I used the automated system to request each - hanging up if it wanted to transfer me to a CSR.

Slow and steady, they are.  But I LOVE shopdiscover. 

[DI]

When I received the card, Discover mentioned in a note, my credit will be reviewed every 3 months for the first year for CLI.  It also said after the first year, it will be review my credit once a year. 

[Anonymous]

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@Anonymous wrote:

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@DI wrote:
I pay my cards in  full each month.  I got my Discover in July.  Do I have to allow Discover to earn interest from me to get a CLI?

---

No, but you will have to wait at least six months between them now.  I've had 3 clis in 2 years - 4k to 7k - only carried a BT balance for one of those, pif'd thereafter.  I used the automated system to request each - hanging up if it wanted to transfer me to a CSR.

Slow and steady, they are.  But I LOVE shopdiscover. 

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When was the last time you received an increase using the automated system?

If you received an increase through the CSR's did it require a hard INQ?

[Anonymous]

Discover is my olderst Tradeline (opened in 1991) and one of my lowest CL's at 13,200. My last 500 CLI was in August of 2006. It's not a big deal to me,  as I have far more available credit than I actually need. Compared to the others that give CLI's out like candy, I've found Discover to be rather conservative.

[Anonymous]

I last received one in in the spring - will wait until sometime in the fall to ask again.  The 6 months is for customer-initiated requests - I don't know a thing about Discover-initiated cli - I've never had one.

[Anonymous]

I think I will wait until the end of my twelveth billing cycle (soon, anniversary date for rewards is 09AUG) and then try the telephone thing. Just PIF'ed after carrying a balance (~25% of CL) for a while - hopefully they will come up with something for me.