When you want to know about the WEAK disco peeps hit me up 
@Jnbmom wrote:When you want to know about the WEAK disco peeps hit me up
Well, sort of as a converse to this thread, does your profile fall into the "ideal target customer" type group, or do you think your profile would be considered less than ideal?
@Anonymous wrote:
@Jnbmom wrote:When you want to know about the WEAK disco peeps hit me up
Well, sort of as a converse to this thread, does your profile fall into the "ideal target customer" type group, or do you think your profile would be considered less than ideal?
All I can add to this is I believe I am "not the ideal" customer with discover. When I got disco I had a thin file and they started me out with 1100 SL, since aquiring them I have gotten many more cards with much higher limits. I tried using card heavily, that didn't work, then it went in SD, that too didn't work. After this card hit over the one year mark I thought I would try for a second disco card ( they have to give me a decent limit now with my profile) NOPE this card 1K SL. Not sure exactly what they don't dig on my profile, but I am still not the "ideal" customer. And that's ok I use my other cards now.
Well, I haven't tripled my CL but have gone from an SL of $10.8K to a CL of 16.2K in less than 5 months. Would that be considered pretty strong growth so far?
My first CLI came at the 82 day mark for $500. Largest CLI was 4K, which occurred 31 days after the first. Most recent was 40 days after the second CLI, for $900.
Was approved with:
1) A dirty file - one paid CO which was 5.10 years old. FICOs ranged from 754-773.
2) 3 CCs all 1.1 years old.
3) 11 student loans - oldest accounts
4) AAoA 2.9 yrs, AoOA 5.10 yrs.
5) Util was ~4%.
6) CC limits: (1) $500; (2) $1500; (3) $5.3K
Profile has since gone from dirty to clean, but scores also dropped as a result.
Second CLI for 4K was granted despite 4 new accounts in the previous 4 months. My 3rd CLI came after my reports became clean and with addition of 2 more new accounts (so with 6 new accounts in 5 months).
Disco usage:
Heavily for first month and a half because of holidays; paid in full. Then did a hefty BT end of month 2. Made large payments in months 2 and 3 to reduce the BT balance by half. Now just carrying $2400 and paying ~$200-300 / month. Haven't used the card for purchases since December.
My first CLI came at the 82 day mark for $500. Largest CLI was 4K, which occurred 31 days after the first. Most recent was 40 days after the second CLI, for $900.
Was approved with:
1) A dirty file - one paid CO which was 5.10 years old. FICOs ranged from 754-773.
2) 3 CCs all 1.1 years old.
3) 11 student loans - oldest accounts
4) AAoA 2.9 yrs, AoOA 5.10 yrs.
5) Util was ~4%.
6) CC limits: (1) $500; (2) $1500; (3) $5.3K
Profile has since gone from dirty to clean, but scores also dropped as a result.
Second CLI for 4K was granted despite 4 new accounts in the previous 4 months. My 3rd CLI came after my reports became clean and with addition of 2 more new accounts (so with 6 new accounts in 5 months).
Disco usage:
Heavily for first month and a half because of holidays; paid in full. Then did a hefty BT end of month 2. Made large payments in months 2 and 3 to reduce the BT balance by half. Now just carrying $2400 and paying ~$200-300 / month. Haven't used the card for purchases since December.
@Anonymous wrote:
Your timeline is short, so naturally going 3X+ at this point is an impossibility. It does appear that you're on the right track, though. You gave a range of scores in your post above. Do you recall the exact FICO 8 score (probably EQ, maybe TU) that you were approved with?
Like you, I had aged major baddies on my file, but due to a strong file otherwise my scores were still pretty decent.
EX 773, EQ 769, TU 754. They pulled EX for me.
Much lower: $500, $1500, and $5300
@Anonymous wrote:Gotcha. How did your other credit limits compare to your Discover SL at the time you were approved?