- Centurion Member
- Posts: 106
- Joined: Wed Apr 03, 2013 3:16 am
- Location: nyc/ny
i got my discover card when i was 19. i had a decent job, but i was a full time college student. they started me off with 2.5k. after a year of using it regularly they increased it to 6.3k. after that i only used the discover card for the cashback bonuses. a few times they offered 10% cash back at best buy, dell and guitar center. but for regular purchases i used other cards.
right now my line with them is 20k after 6 years of use, but i used it only once a month in the last 5 years.
on the flip side, when my mom got her discover card 10 years ago, she got a 12k limit from the start because she had a decent length credit history.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL
Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.