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My discover it hits a year old in 2 weeks. What are the trends. How big of a cli has everyone gotten. What do i have to look forward to?
I've had my account over a year and only recieved an auto increase at 6 months. I recieved nothing at the 1 year mark and they keep telling me I need more experience with my current limit when I request an increase -____- So yeah time doesnt equal increases lol.
@zerbherb wrote:My discover it hits a year old in 2 weeks. What are the trends. How big of a cli has everyone gotten. What do i have to look forward to?
DW got auto CLI from $500 to $3,000 at 13 months, never another SP CLI, that was 6 months ago. She started with no credit score and Discover Student, score is over 750 now.
I got a SP CLI at 6 months from $1,000 to $2,500, then auto CLI at 12 months to $3,500, nothing else, that was 6 months ago. I started with no credit score regular card.
@kdong1996 wrote:
Other than a CLl, you can also ask for an APR reduction after a year. Occasionally they give 0% for 12 months or so.
+1
My DW got 0% for 12 months. My card qualified for a small reduction.
My personal data point: At the one year mark, Discover more than doubled my CL. ymmv
that would only be 1500 $ for me. Meh not enough.
@zerbherb wrote:My discover it hits a year old in 2 weeks. What are the trends. How big of a cli has everyone gotten. What do i have to look forward to?
As with any creditor it's about one's credit profile and income. You cannot simply assume that what happens to others in X time will happen to you as well unless the others are similar enough to you. FWIW my CL was doubled at 3 months, bumped by about $5K about a year after that, and recently (almost at the 2 year mark) bumped by about $5K. YMMV.
@zerbherb wrote:that would only be 1500 $ for me. Meh not enough.
Everyone does not start out with the same limit either. Again, it's all about credit profile and income.
Nothing special happened at a year with my Discover, after getting $500 auto-CLIs at 6 months and 9 months, though I did get a $4,500 CLI when I hit the button at 13 months. If you want a CLI, why not request one and see what happens?