First off, it's never just about score. Your entire credit profile matters and that includes recent activity.
rsudhakar948 wrote:I was expecting Discover to Start of my credit limit with at least $3K. And the APR of 17.99%, i was expecting something lower around 14.99% .
What were these expectations based on? From what you've said it sounds like you have a thin credit profile so this isn't unreasonable on Discover's part IMO. Keep in mind that you cannot simply assume that because you get $X with creditor A that you would get something similar with creditor B. They each have their own underwriting criteria -- which can also vary by product. The limit and APR you get all depend on what your credit and income qualify for.
rsudhakar948 wrote:I haven't activated my discover it card yet. Is it worth talking to Credit Analyst about my Credit Limit. Can i black mail them saying i am not gonna activate the card if they dont increase my credit limit.
It really doesn't matter if you activate or not. You're not going to blackmail (which is illegal) them by not activating. It will report regardless and you just won't be able to use the card until you activate it.
As for worth -- that's subjective regardless of topic and up to you to determine. We're not Discover underwriters and we don't have access to your credit reports so we can't say if you'd qualify for more or not. You'd have to contact Discover to find out. You may have some headroom for a CLI but if you qualified for more they probably would have approved you for more.
It won't hurt to call but you're really just starting off and 10 or 11 months is no time at all in the credit world. Building credit is a long, slow process so ensure that your expectations are reasonable.