Discover More card credit limit increase

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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cdogg
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Discover More card credit limit increase

Postby cdogg » Tue Jul 24, 2012 10:01 pm

I have my discover more card since 2010, haven't used much. original cl is $8000. tonight i tried to increase it to $20k, given option to take $1500 increase instead. i took it, now my cl is $9500 since i don't want to have hp on my credit. based on the discussion i read so far, discover card is pretty tight on giving you high cl. so $9500 cl i have now, is it pretty good?
Current Cards: American Express:Blue Cash Everyday CL 33.6k member since 94
Bank Americard Power Cash Rewards Signature Visa CL 20k member since 10
Discover IT $9.5k member since 10
Chase freedom $10k, since 13
BB Store card $2600, since 02
Macys $2700, since 02
Gap/BR $800, since 02


craigm1
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Postby craigm1 » Tue Jul 24, 2012 10:06 pm

I have had the same card since November 11 they started me at $8500 and 3 months later raised me to $10,500 unsolicited they seem fairly generous with the limits
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

MemberSince99
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Postby MemberSince99 » Wed Jul 25, 2012 6:42 am

craigm1 wrote:I have had the same card since November 11 they started me at $8500 and 3 months later raised me to $10,500 unsolicited they seem fairly generous with the limits


I think you are the exception to be honest. I've had mine for 3 months now and no increase. When I dumped Amex (good riddance there) I talked with Discover and told them I wanted to make them my main creditor and would they consider increasing the limit on my More card to help me do that. Nope, no dice, I was told I could wait 6 months and then see about an increase maybe then, and this is with scores in the 780s and no derogs at all.

Generous? I guess it's all opinion but that's not one of the words I would have chosen. They are actually more on the conservative side in my experience. I suppose that's probably a good thing for them, but since US Bank gave me a limit over twice what they gave me, that's going to be my go to card. They had their chance.

craigm1
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Postby craigm1 » Wed Jul 25, 2012 8:07 am

my coworker just found out he got a 9k limit with us bank still waiting for my card to come in the mail, do you think other creditors are seeing my limit on the amex which I think at the time was 20k when i got discover and it's helping me with other creditors B of A also raised my limit from $7500 to 10k within 6 months

criaigm
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

MemberSince99
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Postby MemberSince99 » Wed Jul 25, 2012 12:40 pm

Most likely yes. They do look at your current limits, and if they see 500 dollar Cap One type limits it's not likely you will get a 5k limit. But if your cards are like yours are, yeah they'll give you something decent as you've shown you can handle that. You have some nice limits.

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jumbo
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Postby jumbo » Wed Jul 25, 2012 1:11 pm

I got Discover More on October of 2010 with $500. I'm a college student with part-time job, and when I got Discover I barely had 1 year of credit history (BofA Student Card and Capital One, prior to Discover).
Never asked for CL, but now my CL is $2000. Not bad for me, they keep increasing few hundred dollars every few months.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

FutureBillionaire
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Postby FutureBillionaire » Wed Jul 25, 2012 1:24 pm

I've only had one increase. They started me out at 2k and then bumped me to 3k when I asked. I haven't tried to get one in a while, I will try to day on one of my cards to see what happens.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

cdogg
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Postby cdogg » Wed Jul 25, 2012 1:26 pm

jumbo wrote:I got Discover More on October of 2010 with $500. I'm a college student with part-time job, and when I got Discover I barely had 1 year of credit history (BofA Student Card and Capital One, prior to Discover).
Never asked for CL, but now my CL is $2000. Not bad for me, they keep increasing few hundred dollars every few months.


i don't blame them for only giving me $1500 increase. Since i have not charge anything after i got hte card from 2010.

Current Cards: American Express:Blue Cash Everyday CL 33.6k member since 94

Bank Americard Power Cash Rewards Signature Visa CL 20k member since 10

Discover IT $9.5k member since 10

Chase freedom $10k, since 13

BB Store card $2600, since 02

Macys $2700, since 02

Gap/BR $800, since 02



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