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virtualtreasure

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

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FICO08 MyFICO: TU760 / EQ&EX 752

 

 

Started 15 months ago with $1200 line now I am at $21300

Latest cli today: 17300-21300

My clis are rarely instant. Maybe only 1 or 2 instants.

Care to share some Fico numbers?
Edited by spcarey

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After being rejected multiple times, I was increased from 10,500 up to 15,300. Largest CLI ever from them.

 

 

Sent from my iPad using Tapatalk

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I had a pretty productive year with Discover and with my finances overall. I got the card last December with an 800 limit and I was responsible all year paying in full and this month I got a 1500 increase to 8100 total. I know you shouldn't get a pat on the back for doing what you're supposed to do but it does feel nice to see the progress that I've made. My goal for next year is to get it to be my first 10k prime limit and hopefully to double what I have now so maybe some of my other prime cards will match it.

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I had a pretty productive year with Discover and with my finances overall. I got the card last December with an 800 limit and I was responsible all year paying in full and this month I got a 1500 increase to 8100 total. I know you shouldn't get a pat on the back for doing what you're supposed to do but it does feel nice to see the progress that I've made. My goal for next year is to get it to be my first 10k prime limit and hopefully to double what I have now so maybe some of my other prime cards will match it.

There's nothing wrong with enjoying positive momentum. Congrats:)

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Day 91, another +$500 to $30,700. The days of $4000 increases seem to have gone away for me? Scores the same, AAOA increases, uti decreases...maybe i'm closed to maxed out with them with my income and available credit that i have.

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Day 91, another +$500 to $30,700. The days of $4000 increases seem to have gone away for me? Scores the same, AAOA increases, uti decreases...maybe i'm closed to maxed out with them with my income and available credit that i have.

 

Is the CL now close to your reported income?

 

I don't know if we've seen people go backward from four figure to three figure CLIs, have we?

 

How are your other limits in comparison.

 

And regardless, congrats on the SP CLI!

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Hit the button and another $3,000 CLI.

This put me over $30k. Required no proof of income or anything, but I was ready. Pretty excited about this one.

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Day 91, another +$500 to $30,700. The days of $4000 increases seem to have gone away for me? Scores the same, AAOA increases, uti decreases...maybe i'm closed to maxed out with them with my income and available credit that i have.

 

Is the CL now close to your reported income?

 

I don't know if we've seen people go backward from four figure to three figure CLIs, have we?

 

How are your other limits in comparison.

 

And regardless, congrats on the SP CLI!

 

Income is near $110,000....reported CL's almost $400k.

4 tradelines in the low $30k range, 5 in the $20-25k range, many in the $15k-19k range, etc....Only 2 store cards.

 

I really think im getting maxed out with my income vs total available credit. 4:1 ratio

 

We'll find out what BOA thinks in a few weeks...I have them at $30k.

Edited by monger

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Day 91, another +$500 to $30,700. The days of $4000 increases seem to have gone away for me? Scores the same, AAOA increases, uti decreases...maybe i'm closed to maxed out with them with my income and available credit that i have.

 

Is the CL now close to your reported income?

 

I don't know if we've seen people go backward from four figure to three figure CLIs, have we?

 

How are your other limits in comparison.

 

And regardless, congrats on the SP CLI!

 

Income is near $110,000....reported CL's almost $400k.

4 tradelines in the low $30k range, 5 in the $20-25k range, many in the $15k-19k range, etc....Only 2 store cards.

 

I really think im getting maxed out with my income vs total available credit. 4:1 ratio

 

We'll find out what BOA thinks in a few weeks...I have them at $30k.

 

 

That could be a factor. Your income compared to just Discover alone isn't the issue. Hopefully they'll come around. Good luck continuing to hit the button.

Hit the button and another $3,000 CLI.

 

This put me over $30k. Required no proof of income or anything, but I was ready. Pretty excited about this one.

 

Congrats!

 

Shouldn't see POI request until 50k.

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They still don't like me anymore. DW got $4k after a two day message.

 

Me

03/31/2015 - $1k

05/11/2015 - $3k

05/27/2015 - $3k

06/12/2015 - $3k

09/11/2015 - $500

12/11/2015 - $1.5k

02/11/2016 - $5k

04/29/2016 - $5k

07/29/2016 - $2k -> $30.6k

 

 

 

 

DW

04/08/2015 - $1k

05/11/2015 - $1k

05/27/2015 - $1k

06/12/2015 - $1k

09/11/2015 - $1.5k

11/11/2015 - $1.5k

12/11/2015 - $1.5k

03/14/2016 - $1k

04/29/2016 - $3k

06/24/2016 - $1k

07/25/2016 - $5k

09/14/2016 - $1.5k

10/25/2016 - $1.5k

12/20/2016 - $4k -> $38k

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I haven't posted in while will add some data points. Last year started with a ~4k limit worked it up $500 at a time. Then around this summer started getting 3k-5k increases. I'm now at 33k Limit with a stated income of 30k, no income verification needed. i have roughly ~100k in total credit.

 

Should I keep trying with that low income or stop pressing my luck?

Edited by brandon727

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I don't think I would ever stop as long as you could prove income if needed.

 

Concur.

 

Worst case they ask for POI below a 50k limit for the first time we've seen here and then you chose whether or not to go forward.

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Hit the button and another $3,000 CLI.

 

This put me over $30k. Required no proof of income or anything, but I was ready. Pretty excited about this one.

 

Merry Christmas!!! :)

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I was due a few weeks ago for my 90 day cli.

 

Tried 2 x and was denied.

 

Logged in today they gave me an auto of $500 I hit the button and got another $500 up to $4,300.

 

I LOVE the double dip!

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I was due a few weeks ago for my 90 day cli.

 

Tried 2 x and was denied.

 

Logged in today they gave me an auto of $500 I hit the button and got another $500 up to $4,300.

 

I LOVE the double dip!

 

Congrats x2!!!

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Mmmm k. Got one for me. Yay.

Me
03/31/2015 - $1k
05/11/2015 - $3k
05/27/2015 - $3k
06/12/2015 - $3k
09/11/2015 - $500
12/11/2015 - $1.5k
02/11/2016 - $5k
04/29/2016 - $5k
07/29/2016 - $2k

12/23/2016 - $1k -> $31.6k

DW
04/08/2015 - $1k
05/11/2015 - $1k
05/27/2015 - $1k
06/12/2015 - $1k
09/11/2015 - $1.5k
11/11/2015 - $1.5k
12/11/2015 - $1.5k
03/14/2016 - $1k
04/29/2016 - $3k
06/24/2016 - $1k
07/25/2016 - $5k
09/14/2016 - $1.5k
10/25/2016 - $1.5k
12/20/2016 - $4k -> $38k

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Mmmm k. Got one for me. Yay.

 

Me

03/31/2015 - $1k

05/11/2015 - $3k

05/27/2015 - $3k

06/12/2015 - $3k

09/11/2015 - $500

12/11/2015 - $1.5k

02/11/2016 - $5k

04/29/2016 - $5k

07/29/2016 - $2k

12/23/2016 - $1k -> $31.6k

 

DW

04/08/2015 - $1k

05/11/2015 - $1k

05/27/2015 - $1k

06/12/2015 - $1k

09/11/2015 - $1.5k

11/11/2015 - $1.5k

12/11/2015 - $1.5k

03/14/2016 - $1k

04/29/2016 - $3k

06/24/2016 - $1k

07/25/2016 - $5k

09/14/2016 - $1.5k

10/25/2016 - $1.5k

12/20/2016 - $4k -> $38k

 

Yay!!!

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I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

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I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

 

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

 

 

 

 

 

 

 

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

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I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

 

 

 

 

 

 

 

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

 

 

I've been following your journey for a while. That's an awesome tradeline! I'll try again when they do the next soft pull towards the end of next month. I should probably jump up to around 750 on TU so that might help me a bit. I've been reading that every 60 days or so gets better results on discover (while keeping transactions low and PIF), but I'm going to try in another 30 days.

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Keeping transactions low and PIF makes no difference. You should go back and read some more.

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Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

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Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

 

 

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

Edited by JDK83

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Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

 

 

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

 

 

Yeah. I'm not sure it correlates as well. It's just that for me (it's not difficult because my limit is low), I've been running up to the limit and paying in full. It hasn't worked for me. I went to about 50% of my limit and paid in full and finally got a CLI and it wasn't just the $500. I'm probably confusing correlation with causation (my credit score has risen.. well it actually a dipped a bit since the last time they soft pulled) but it's worth a shot I guess.

 

I did read something here (or maybe it was MF... I've read this entire 234 page thread twice though :)) that several people noticed some action when they had low usage.

 

Probably makes no difference but it's worth a try to do something different.

Edited by backto750

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