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Discover luv button fixed: Your credit line has been increased.

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Still haven't called regarding a product change, and the card has sat dormant for a few months now. Tried again anyhow.

 

$1500 increase bringing the card to $20,000 even. Last FICO they show is 816.

 

Congrats!!!

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Still haven't called regarding a product change, and the card has sat dormant for a few months now. Tried again anyhow.

 

$1500 increase bringing the card to $20,000 even. Last FICO they show is 816.

Happy for you!

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Still haven't called regarding a product change, and the card has sat dormant for a few months now. Tried again anyhow.

 

$1500 increase bringing the card to $20,000 even. Last FICO they show is 816.

 

Congrats!!!

 

 

 

 

Still haven't called regarding a product change, and the card has sat dormant for a few months now. Tried again anyhow.

 

$1500 increase bringing the card to $20,000 even. Last FICO they show is 816.

Happy for you!

 

 

Thank you both! I know I really need to convert the card to see it grow to where I think it should be, but I'll take the CLIs that they've allowed over the past few months (as I'm fairly certain it had been almost 5+ years without any increases).

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I lost count of what day is. Last CLI Jan 11, IIRC Last soft pull was March 18 according to denial letter I got this week (after CLI request of about the 20th)... Insufficient time at current limit

 

Called 800# on back of card today instead of trying love button

$1500.

Better than the +$500 I got in January I suppose

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Day 117 since last Cli but i can fix that problem SD Dis B**** :angry: Not yet

Did you do what I suggested?

Not yet

 

 

No comment.

 

Oh, come on. Comment.

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2/16. 2 day message. +500

3/31. 2 day message. +3k

 

Congrats!!!

 

Did you do anything different, between those dates?

Edited by Kat58

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Hit the button yesterday (04/01/2016). Got the 2 day message. Last CLI was 01/20/2016. Today I login to see a lousy $500 bump up the chain.

 

10/2013: $1,000 SL

04/2014: $5,000

06/2015: $6,000

09/2015: $9,000

11/2015: $13,500

01/2016: $18,000

04/2016: $18,500

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Discover has been the toughest credit lender to build a relationship with.

I got denied twice by them.

When I finally DID get approved, they only gave me 500cl.

 

And when I did a mass CLI they gave me only 1000cl AND did another credit pull!

Other banks gave me generous CLI without a pull.

 

It took 3 1/2 years for Discover to think I deserve a generous increase. That was a month ago.

 

These guys are tough.

 

Did anyone else have an uphill battle with Discover?

 

If you didnt, did you have some kind of relationship with them (such as checking account or loan)?

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Hit the button yesterday (04/01/2016). Got the 2 day message. Last CLI was 01/20/2016. Today I login to see a lousy $500 bump up the chain.

 

10/2013: $1,000 SL

04/2014: $5,000

06/2015: $6,000

09/2015: $9,000

11/2015: $13,500

01/2016: $18,000

04/2016: $18,500

6k>18.5k is awesome, individual increases will vary

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Just got an increase of $500 from them today to a whopping $2200. wooo

 

I've went from $2200 to $3000 to $5000 and then just today I'm now up to $7500 :clapping:

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Just got an increase of $500 from them today to a whopping $2200. wooo

 

I've went from $2200 to $3000 to $5000 and then just today I'm now up to $7500 :clapping:

 

Sweet! :clapping:

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Just got an increase of $500 from them today to a whopping $2200. wooo

 

I've went from $2200 to $3000 to $5000 and then just today I'm now up to $7500 :clapping:

 

 

Congrats!!!

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Crackedcredit,

Read through this thread & you'll read of a lot of that.

 

 

Sent from my iPhone using Tapatalk

Edited by trachkids

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Just got an increase of $500 from them today to a whopping $2200. wooo

I've went from $2200 to $3000 to $5000 and then just today I'm now up to $7500 :clapping:

Very happy for you!

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Discover has been the toughest credit lender to build a relationship with.

I got denied twice by them.

When I finally DID get approved, they only gave me 500cl.

 

And when I did a mass CLI they gave me only 1000cl AND did another credit pull!

Other banks gave me generous CLI without a pull.

 

It took 3 1/2 years for Discover to think I deserve a generous increase. That was a month ago.

 

These guys are tough.

 

Did anyone else have an uphill battle with Discover?

 

If you didnt, did you have some kind of relationship with them (such as checking account or loan)?

I still am :glare:

 

That outfit is a tough nut alright especially for some of us. They certainly don't win any generosity recommendations from this camp.

 

Started august 2013 with 800. Was one their unlucky foes where it takes you 18 months for a first ever CLI. (refused to give them any HP)

 

The screw finally came off the bottle for me last summer during that much publicized SP CLI train ride (every 17 days WAS pretty cool)

 

After that train left out my account was placed on a running 91+ day cycle of only $500 per hand out. (summer train dropped some $1K's, not bad)

 

While most are smokin' it up good with mother load SP CLI's i'm back to scratching and having to be content with Discover crumbs. But unlike times past, it is something and it has been on a regular schedule. But how they do love to play some accounts cheap, and i'm not ok with that. And is also why I relish in some consolation relief lately by watching them watch a Balance Transfer crawl slowly to term. I could PIF at any time.

 

You see it's stuff like this that gives me trust issues

Edited by astro777c

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Discover has been the toughest credit lender to build a relationship with.

I got denied twice by them.

When I finally DID get approved, they only gave me 500cl.

 

And when I did a mass CLI they gave me only 1000cl AND did another credit pull!

Other banks gave me generous CLI without a pull.

 

It took 3 1/2 years for Discover to think I deserve a generous increase. That was a month ago.

 

These guys are tough.

 

Did anyone else have an uphill battle with Discover?

 

If you didnt, did you have some kind of relationship with them (such as checking account or loan)?

I still am :glare:

 

That outfit is a tough nut alright especially for some of us. They certainly don't win any generosity recommendations from this camp.

 

Started august 2013 with 800. Was one their unlucky foes where it takes you 18 months for a first ever CLI. (refused to give them any HP)

 

The screw finally came off the bottle for me last summer during that much publicized SP CLI train ride (every 17 days WAS pretty cool)

 

After that train left out my account was placed on a running 91+ day cycle of only $500 per hand out. (summer train dropped some $1K's, not bad)

 

While most are smokin' it up good with mother load SP CLI's i'm back to scratching and having to be content with Discover crumbs. But unlike times past, it is something and it has been on a regular schedule. But how they do love to play some accounts cheap, and i'm not ok with that. And is also why I relish in some consolation relief lately by watching them watch a Balance Transfer crawl slowly to term. I could PIF at any time.

 

You see it's stuff like this that gives me trust issues

 

Well the EDIT button flew away on the previous post so if it can be of any use for those who also are running up against Disco's stubbornness.

 

In addition there is no bankruptcy ever or collections either. Scores they use are TU and that is 736 and has been climbing.

 

I consider it just pure dumb luck that they have even brought the limit up this far, currently to 7400 (after the last $500 cookie) because it was lifted the most from the every 17 day SP CLI rush last summer.

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Had mine since 07/16/2008, started w/ $1500 & it's at $6,200 now w/ my $300 CLI a couple of weeks ago. Disco TU is 763, no lates/negs at all!

 

I have a mortgage from 2009, a prior pd/closed personal loan from 2013, a # of pd/closed auto since 2005 & even pd off 1 of my 4 student loans early. I do have 11 new accts over the past 8-9mo, but have 19/23 revolving accts w/ $0 bal & at 8%util.

 

They're just weird

Edited by trachkids

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11 new accts is somewhat explosive growth and about half of revolving credit history. A clear and present reason for some issuers to let a cardholder percolate, at least for a bit. It's challenging but to try a more objective lens looking at our own profiles can help improve strategy.

 

Glazing things over with 'Disco is weird' (which of course they can be) may miss a decisive point: there comes a time where gunning hard for more credit only results in very modest gains or denials. 11 new accounts later that time may be now.

Edited by virtualtreasure

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Had mine since 07/16/2008, started w/ $1500 & it's at $6,200 now w/ my $300 CLI a couple of weeks ago. Disco TU is 763, no lates/negs at all!

 

I have a mortgage from 2009, a prior pd/closed personal loan from 2013, a # of pd/closed auto since 2005 & even pd off 1 of my 4 student loans early. I do have 11 new accts over the past 8-9mo, but have 19/23 revolving accts w/ $0 bal & at 8%util.

 

They're just weird

 

I agree with virtualtreasure.

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11 new accts is somewhat explosive growth and about half of revolving credit history. A clear and present reason for some issuers to let a cardholder percolate, at least for a bit. It's challenging but to try a more objective lens looking at our own profiles can help improve strategy.

 

Glazing things over with 'Disco is weird' (which of course they can be) may miss a decisive point: there comes a time where gunning hard for more credit only results in very modest gains or denials. 11 new accounts later that time may be now.

While I agree that the recent lack of CLIs is explainable d/t the 11 new accts, it does not negate the fact that the growth prior to last October (when I began the app spree), was minuscule, at best, prior to any attempt to seek these new credit lines. I had the card for 7 years & it had only grown from $1500 to $5400. While disappointed, I do understand current reasoning.

 

I have resigned myself that this acct will not grow at the pace I was hoping for any time soon, but my 'weird' analogy is based on prior to last Oct. I am not disparaging them, simply stating that their UW guidelines for CLIs doesn't seem to follow a pattern that I've been able to discern in the time I've had the card & the myriad of ways I've utilized the line during that time (BTs, PIF, etc).

 

Edit: Clarification

Edited by trachkids

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11 new accts is somewhat explosive growth and about half of revolving credit history. A clear and present reason for some issuers to let a cardholder percolate, at least for a bit. It's challenging but to try a more objective lens looking at our own profiles can help improve strategy.

 

Glazing things over with 'Disco is weird' (which of course they can be) may miss a decisive point: there comes a time where gunning hard for more credit only results in very modest gains or denials. 11 new accounts later that time may be now.

While I agree that the recent lack of CLIs is explainable d/t the 11 new accts, it does not negate the fact that the growth prior to last October (when I began the app spree), was minuscule, at best, prior to any attempt to seek these new credit lines. I had the card for 7 years & it had only grown from $1500 to $5400.

 

I have resigned myself that this acct will not grow at the pace I was hoping for any time soon, but my 'weird' analogy is based on prior to last Oct. I am not disparaging them, simply stating that their UW guidelines for CLIs doesn't seem to follow a pattern that I've been able to discern in the time I've had the card & the myriad of ways I've utilized the line during that time (BTs, PIF, etc).

 

Edit: Clarification

 

 

Sometimes for no obvious reason some accounts just stop growing.

 

You've got tons of options.

 

Just SD Disco for awhile and try again in a few months.

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11 new accts is somewhat explosive growth and about half of revolving credit history. A clear and present reason for some issuers to let a cardholder percolate, at least for a bit. It's challenging but to try a more objective lens looking at our own profiles can help improve strategy.

 

Glazing things over with 'Disco is weird' (which of course they can be) may miss a decisive point: there comes a time where gunning hard for more credit only results in very modest gains or denials. 11 new accounts later that time may be now.

While I agree that the recent lack of CLIs is explainable d/t the 11 new accts, it does not negate the fact that the growth prior to last October (when I began the app spree), was minuscule, at best, prior to any attempt to seek these new credit lines. I had the card for 7 years & it had only grown from $1500 to $5400.

 

I have resigned myself that this acct will not grow at the pace I was hoping for any time soon, but my 'weird' analogy is based on prior to last Oct. I am not disparaging them, simply stating that their UW guidelines for CLIs doesn't seem to follow a pattern that I've been able to discern in the time I've had the card & the myriad of ways I've utilized the line during that time (BTs, PIF, etc).

 

Edit: Clarification

Sometimes for no obvious reason some accounts just stop growing.

 

You've got tons of options.

 

Just SD Disco for awhile and try again in a few months.

I am running 1 auto pay through it & PIF to continue generating a score, but it has been SD'd

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