so I apped discover

[mendelssohn]

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

 

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

 

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

 

I sincerely hope you aren't doing M$ at 1%.

 

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

[cv91915]

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

I sincerely hope you aren't doing M$ at 1%.

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

Last year I spent 86,000 miles for a nine-year subscription to TV Guide. Was that bad? Edited February 22, 2015 by cv91915

[steelers1]

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

 

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

 

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

 

I sincerely hope you aren't doing M$ at 1%.

 

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

 

 

Can you tell me what M$ means? I know them all except this one I haven't figured out lol.

[mendelssohn]

 

 

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

 

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

 

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

 

I sincerely hope you aren't doing M$ at 1%.

 

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

Can you tell me what M$ means? I know them all except this one I haven't figured out lol.

Manufactured spending.

[steelers1]

 

 

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

 

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

 

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

 

I sincerely hope you aren't doing M$ at 1%.

 

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

Can you tell me what M$ means? I know them all except this one I haven't figured out lol.

Manufactured spending.

 

 

Thank You!

[rjb75]

 

Last year I spent 86,000 miles for a nine-year subscription to TV Guide. Was that bad?

 

 

Sweet!! Can I use my Paypal MC "points" to get one of these very coveted subscriptions? I have about 7,900,452,152 of these "points" that I've been dying to treat myself with. Maybe I'll have enough left over for a Dunkin Donuts gift card!

[Konrad2012]

Did I say it was the best card? No.... and obviously you don't value it. That is ok.

 

I value it, at exactly $225 / yr. The ground transportation / gas category doesn't do anything for me. All my gas goes on a company Amex, the 5% redemption isn't worth me keeping receipts for reimbursements. If I paid for my own gas I'd reconsider.

 

Cash back is cash back. Most folks do not get 1 cent per point redemptions anyway so for people who do not have a 1.5% or 2% card for all, this is a good all around card. How many folks that you know actually bother to go through the rewards on their cards and know exactly what to use with each? Outside of forums, very very few.

 

But we are on a credit forum, this one in particular heavily focused on FICO's and CC's.

 

Most people do not know the difference between a .223 or 5.56 cartridge, that doesn't mean there isn't one.

 

Personally for us, the 5% on restaurants is higher than we can get anywhere else, and for my business, where we do a lot of dining, this is free cash.

 

As I said, during the 5% restaurant category, it actually gets space in my wallet.

 

Even though my wife and I know perfectly well that all gas, drugs and groceries go on our 5% blue cash card, and everything else on the 2.2% arrival, I still see her swiping other cards too.

 

Just because your wife makes a poor decision is not an admissable defense of a 1% card.

 

For people who do not want to worry about carrying the "right" card for the purchase, the Discover is a decent every day card and that resonates with a lot of people and a lot of my clients.

 

Absolutely not. People who do not want to worry about the right card should get an Arrival+ or something for year one, then to a Venture or something for its 1st year, and then switch to a 2% cash back like Fidelity or whatever card comes out with a new signup bonus with 1st year AF waived that gives 2% or higher.

 

If they use it 30 times a month, they should get the Amex EDP if they are into points/miles.

 

Even though I personally use mostly Amex, for business and personal, a number of places I visit do not take Amex, so other cards can work.

 

... and finally, who ever plans on missing a payment? It is nice to know it is there. .... lastly, at least for my wife, Discover get her the lowest APR on a rewards card, until Citi dropped her rate to 2.9% or something on a card she did not use. Not bad for a no annual fee rewards card.

 

I have no input on missing payments or carrying a balance.

 

[JesseJackson]

Even though Discover is my favorite credit card, admittedly I only use it now for the 5% quarterlies.

 

Additionally, i've had the card 3 years and I've only had an auto CLI once or twice. Discover warns me they do a HP for a requested increase. I was approved 3 years ago at 5k and am now at $7200. For me this about the average limit I have. Amex far higher, but crap1 far lower.

[themanwhocan]

 

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

I sincerely hope you aren't doing M$ at 1%.

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

Last year I spent 86,000 miles for a nine-year subscription to TV Guide. Was that bad?

 

 

 

 

 

 

It's ok, poto is just very excited to share his feelings, don't let his ego come off as rudeness.

I have hundreds of thousands of miles between different carriers simply because I can't get a redemption worth it more than 1 cent. Airfare from the north east is just stupid cheap thanks to competition. Unless you do a travel award, you are not going to get more than 1 cent a mile , unless you sell the points and risk your account.

For someone that either has travel paid or earns miles quite easily, it does not beat actual cash in the account.

We have used discovers 5% quite often and it ended up being thousands of dollars sitting right now in investment accounts.

... But obviously you know better.

Hasn't the it only been out a couple years?

The 5% categories are only good for $300 per year.

Mere than one card, also using their portal, I meant cash back from them in general.

The only card we used for restaurant, everything else is on Arrival and the old Blue Cash.

Also did A Lot of MS on the cards. Lol. So in that regard, during the heydays any available credit was great credit when you are cycling money. but obviously this is not for this forum, and reserved for flyertalk and private ms forums.

You said it was because of the 5% categories.

I sincerely hope you aren't doing M$ at 1%.

You mention not being able to get more than 1 cent per mile UNLESS you book award flights. Of course that's how you use miles. I have no idea what you were trying to do with them, unless you're referring to "miles" instead of miles.

Last year I spent 86,000 miles for a nine-year subscription to TV Guide. Was that bad?

 

 

People still buy TV Guide? I did not know that.

[themanwhocan]

Even though Discover is my favorite credit card, admittedly I only use it now for the 5% quarterlies.

 

Additionally, i've had the card 3 years and I've only had an auto CLI once or twice. Discover warns me they do a HP for a requested increase. I was approved 3 years ago at 5k and am now at $7200. For me this about the average limit I have. Amex far higher, but crap1 far lower.

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

[tweak]

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

Thanks for sharing this.

[tweak]

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

What was your spend like?

[mendelssohn]

I have tried the phone method several times as well with no luck.

 

My account just hit 1 year old this month though.

[themanwhocan]

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

What was your spend like?

 

 

 

I requested SP CLI on 5/3/2014, 9/17/2014, 12/20/2014.

[lilyflower]

 

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

What was your spend like?

 

 

 

I requested SP CLI on 5/3/2014, 9/17/2014, 12/20/2014.

 

 

This is helpful. I think the first year you're limited to HP from what I've heard and minor increases but I'll try the phone trick in 3 months and see what happens.

[tweak]

 

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

What was your spend like?

 

 

 

I requested SP CLI on 5/3/2014, 9/17/2014, 12/20/2014.

 

 

Thanks. I see you did not run much spend through Disco leading up to the 05/2014 and 09/2014 CLIs -- but you did for 12/2014.

 

So can you confirm that they do not care about seeing usage - at least for the automated phone CLIs every 3 months?

[themanwhocan]

 

 

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

What was your spend like?

 

 

 

I requested SP CLI on 5/3/2014, 9/17/2014, 12/20/2014.

 

 

Thanks. I see you did not run much spend through Disco leading up to the 05/2014 and 09/2014 CLIs -- but you did for 12/2014.

 

So can you confirm that they do not care about seeing usage - at least for the automated phone CLIs every 3 months?

 

 

The 9/2014 request was $1500 online, the other two were via phone. the last one I requested via phone a couple days early (on a sunday) and it didn't work, tried to transfer me so I hung up, and 6 days later (very early saturday morning) I happened to check online and I had gotten a $1000 increase. This is why I say don't try to apply earlier than 3 months.

 

The large spending in 4th quarter 2014 was me adding my rent to my online Discover spending, since as you noticed I haven't been using the Discover much in 2014 even though they gave me 3 SP CLI's. Naturally I'm using the Discover at least once a month just to get the TU FICO score And I'm hoping the 4th quarter spend will encourage more SP CLI in 2015.

 

Lets see, what other raw data can I give you. I guess just my Discover TU FICO scores:

 

12/4/14 761

11/4/14 749

10/5/14 749

9/4/14 743

8/4/14 743

7/4/14 743

6/4/14 740

(forgot to use card, so no FICO in May)

4/4/14 740

3/4/14 725

2/4/14 736

1/5/14 736

[JesseJackson]

 

Even though Discover is my favorite credit card, admittedly I only use it now for the 5% quarterlies.

 

Additionally, i've had the card 3 years and I've only had an auto CLI once or twice. Discover warns me they do a HP for a requested increase. I was approved 3 years ago at 5k and am now at $7200. For me this about the average limit I have. Amex far higher, but crap1 far lower.

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

 

These options no longer exist. In the online interface its all or nothing. Calling in and using the automated system automatically transfers to a rep. The phone system MAY be different for you, I cannot verify. But for years i've NEVER seen anything different than auto going to rep by phone.

[tweak]

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

Thanks for the info.

 

Could you please share your two EO CLI dates (with HPs) as well?

 

Open date is 03/2013?

[mendelssohn]

 

 

Even though Discover is my favorite credit card, admittedly I only use it now for the 5% quarterlies.

 

Additionally, i've had the card 3 years and I've only had an auto CLI once or twice. Discover warns me they do a HP for a requested increase. I was approved 3 years ago at 5k and am now at $7200. For me this about the average limit I have. Amex far higher, but crap1 far lower.

 

Every 3 months, call the number on the back of the Discover card and request a credit limit increase using the automated phone system. If there is a SP CLI available the phone system will tell you how much it is and ask if you want to accept it. Accept it. if it says it needs to transfer you to someone, immediately hang up.

 

Or request a CLI online for $1500 and see if the system will offer you anything. if it asks for more information, just forget it and try again in 3 months. Keep note of the date you requested a CLI, and don't try to request a CLI both ways, or try to request earlier than 3 months.

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

its kinda strange that Credit Boards doesn't know about this, or at least mention it when people say they haven't gotten increases. Being able to request small SP increases every 3 months is rather useful information.

 

 

These options no longer exist. In the online interface its all or nothing. Calling in and using the automated system automatically transfers to a rep. The phone system MAY be different for you, I cannot verify. But for years i've NEVER seen anything different than auto going to rep by phone.

 

 

Yes they do, both online and over the phone.

[RussInGotham]

Your $2.00 gift card has been applied to your account.

 

We will automatically apply your balance the next time you make a purchase. If you would rather not use your balance, you can deselect it in the Payment Selection step of checkout.

 

Does this help get the monthly FICO score?

[mrjuggalo9er]

Fecal tactic for cli required with discover

[themanwhocan]

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

Thanks for the info.

 

Could you please share your two EO CLI dates (with HPs) as well?

 

Open date is 03/2013?

 

 

I had a secured card Jan 2012 - Jan 2013. Closed Jan 2013. No other credit usage before 2012, and no credit usage other than credit cards since then.

 

Open date for my Discover It is 1/29/2013 (during my initial app spree for my first 3 unsecured cards). I requested a CLI via HP on 7/27/2013. The second time was 11/15/2013 when I also had to call, and I talked the CSR into giving me $2000 increase to $5000 total. I mentioned all the upcoming sales (black friday, cyber monday, Xmas and after Xmas sales, plus I do a lot of online shopping).

[lilyflower]

 

 

In my case I could only get a CLI in the first year by allowing a HP, but after that I've been getting either $1000 or $1500 every 3 months. So I went from $2000 -> $3000 -> $5000 with HP, and now $5000 -> $6000 -> $7500 -> $8500 with SP.

 

Thanks for the info.

 

Could you please share your two EO CLI dates (with HPs) as well?

 

Open date is 03/2013?

 

 

I had a secured card Jan 2012 - Jan 2013. Closed Jan 2013. No other credit usage before 2012, and no credit usage other than credit cards since then.

 

Open date for my Discover It is 1/29/2013 (during my initial app spree for my first 3 unsecured cards). I requested a CLI via HP on 7/27/2013. The second time was 11/15/2013 when I also had to call, and I talked the CSR into giving me $2000 increase to $5000 total. I mentioned all the upcoming sales (black friday, cyber monday, Xmas and after Xmas sales, plus I do a lot of online shopping).

 

 

I love that other people besides me keep excel files of their cards and lines.

[tweak]

I love that other people besides me keep excel files of their cards and lines.

 

Me too.

 

themanwhocan - I love the charts and graphs you post - in this thread and elsewhere. Thanks!

 

 

I need to set up picture sharing so I can post data like this as well.