No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Merill Lynch (bofA) - 35k
PenFed - 35k
Amex Personal - 28k
Many others - 25k
then..... Discover 3.25k lol (thanks Discover!)
Highest major CCs out of 37 accts.:
AMEX Blue Cash ED: $30K
B of A Cash Rew.: $20K
USAA Cash Rew.: $19K
+ several major CCs in the $13-$16K range.
Highest store CC:
Macy's: $24K
I will be taking TU HPs in January to try and take B of A to either $25K or $30K and BBVA to $25K--and an EX SP to take AMEX BCE to $34.5K and then transfer $4K of that to my ED to make it $5K hopefully.
And YES--how did some of you manage to get your Discover CLs so dog-gone high? I've had mine a little over 4 years-it was my second major CC during my rebuild and it's only up to $10.5K as of a couple weeks ago-stuck in a $500 per CLI rut
I suggest giving Discover "tough love" if you want to grow that card.
After the first year, it's a pretty useless card anyway outside of the 5% categories. No one really needs a monster limit for a 5% rotating category card. But, I get it, we all want those bigger limits. I suggest not using the card at all outside of the 5% categories and if you have another card that can cover a category (like a 5% Amazon card that can be used in place of Discover on the Amazon quarters) use it. Some have reported seeing CLIs from Discover after giving them a string of months of "tough love" and moving their spend to other cards.
@Anonymous wrote:I suggest giving Discover "tough love" if you want to grow that card.
After the first year, it's a pretty useless card anyway outside of the 5% categories. No one really needs a monster limit for a 5% rotating category card. But, I get it, we all want those bigger limits. I suggest not using the card at all outside of the 5% categories and if you have another card that can cover a category (like a 5% Amazon card that can be used in place of Discover on the Amazon quarters) use it. Some have reported seeing CLIs from Discover after giving them a string of months of "tough love" and moving their spend to other cards.
Weird... seems to be the opposite of what some other lenders (Barclays, Cap1) are known to do.
My highest starting limits:
Amex EDP: $20,000
Chase Freedom: $19,800
Chase FU: $19,800
Amex Hilton: $15,000
Cap1 QS: $10,000
Disco gave me 15k out the bat, and at 90 days i asked them for the limit i wanted and got it. I was blessed!!!
@Anonymous wrote:Disco gave me 15k out the bat, and at 90 days i asked them for the limit i wanted and got it. I was blessed!!!
That's just it--for me once they stopped doing HPs for CLI requests it all went somewhat downhill. The one time I was able to ask for a CLI via HP a few years ago I got what I asked for too ($6K). Since then with the SPs it's been a VERY SLOW climb with the $500 increments 2 or 3 times a year.
@MrDisco99 wrote:
@Anonymous wrote:I suggest giving Discover "tough love" if you want to grow that card.
After the first year, it's a pretty useless card anyway outside of the 5% categories. No one really needs a monster limit for a 5% rotating category card. But, I get it, we all want those bigger limits. I suggest not using the card at all outside of the 5% categories and if you have another card that can cover a category (like a 5% Amazon card that can be used in place of Discover on the Amazon quarters) use it. Some have reported seeing CLIs from Discover after giving them a string of months of "tough love" and moving their spend to other cards.
Weird... seems to be the opposite of what some other lenders (Barclays, Cap1) are known to do.
I would change "some" to "most" in what you wrote above, as 99 out of 100 times a lender is going to prefer a heavy spend over a light spend with respect to extending a CLI. I too think this holds true with Discover many times, but unlike other lenders I do think the exact opposite can be true at times with Discover. I have not heard of "tough love" working with other lenders, but many on this site have reported that it did work for them with Discover.
why not call in and ask for what youre seeking? they will hp then
These cards were opened prior to 2017 though.
PenFed Platinum Cash - $44,000
Bank of America CW - $36,000
Citi Costco - $30,000
Chase SWA RR - $28,000
Citi Dividend MC - $25,200
Chase Freedom - $17,000
Things that seemed to have worked for me....
Making a moderate to large purchase or BT and paying it off at a moderate pace....
Moving back and forth out of transaction vs revolving....
And for some tough love does work... slow to no swipes....
Think of them as a jealous partner... that analogy has seemed to serve me best... When they have the balance or the activity, more so than the others.. they seem to loosen the purse strings to get your attention... or if you don't use it... they will try to get your attention... as long as the rest of your credit profile is in good order....
I had heavy utilization on the card... due to the 0% offer... but i did make moderate payments, usually 2x a month.... they gave me one of my first CLIs at the 3 month mark with high utilization on their card... everyone else was zero or very light purchases... But i didnt have any other high balances.... I moved to transacting (paying in full) and after a bit.. got another decent CLI... ..