cdogg wrote:It all depends on. but for sure DiscoverCard CL is lot of lower than others. I have 770+ score and credit history for almost 20 years (i am 39). when i first got my More card back in 2010, my initial CL is 8k vs. 30k from my AMEX. I didn't use this card for two years (i meant zero transactions). then started using it last year and converted to IT this year. they gave me 1500 increase to 9500 now. i am ok with it since i don't use it much except for those quarterly cash back. i don't know how they calculate the CL based on what, but i think you should be happy with 5k
I'm right behind you at 37 and had almost the same experience. When I got my More card a few years ago it came in at $8k. I ceased using it after the initial spend to get the promotional Cash Back. Maybe a year or so down the road I either got a notice or happen to glance at a statement and saw my limit was increased to $9500. I recently converted it to an IT card and got them to lower the APR but didn't ask for a CLI. I only use it for the quarterly 5% CB as well.
My CU just issued me a Visa at $20k and my CSP came in at $20k.