superzombieduck wrote:Now I have had my discover card since 2009 when i was like 18 years old. I started out around $1,000 CL then automatically over time i started getting regular small CLI but eventually i started requesting them. Ive requested about 2 or so times myself, and i just called them 10 mins ago and said "can i have some more please?" lol and they said yeah sure here's an extra 5,000 CLI, so now i'm at a CL of about $14,000 on Discover. However, i have about $23,000 combined on my 2 Capital One cards and i've only been with Capital One for like 2 years so yeah...really i should have more with Discover, but i rarely use that card so i never really thought to ask for more...I guess i should start doing that! lol They told me i could request every day if i wanted to! I was like how about after midnight?? LOL
I just turned 25 and am really starting to ask for more CLI since last year when i started realizing i could really use my credit score i had built. I have like over $50,000 combined on all credit cards so far, but I'm starting to ask for more now since i know that helps to build credit as well, so I've been requesting CLI lately just for fun!
Hey does anyone know the average amount of total CL a typical 25 year old has in the credit card world??? I feel like mine is a little low since I have had cards since i was like 18, so about 7 years...although i haven't really started requesting increases until last year...
I am also 25. My guess is that this can vary between individuals, but likely is not a large amount considering a young credit profile. Since you say you have had credit cards since 18, that likely means you have large credit lines for someone our age since you have had the cards so long. I don't have as old of a credit profile as you, but I have had good luck with receiving credit since I have always paid off my balances. Some of my friends are not in the same situation!
Generally it seams as though Discover will approve CLIs every 6 months as long as your account is in good standing. I have indeed used their online utility after midnight before (it's very easy to use). You sound like you have a substantial amount of credit with Discover though, they might not be willing to approve for any more after some point.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)
Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates