I bit the bullet

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
Gamma
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Postby Gamma » Thu Jul 04, 2013 10:29 am

Over 9000!


MemberSince99
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Postby MemberSince99 » Thu Jul 04, 2013 10:30 am

Hummm 3 or 4k? 5 at the most, even though you SHOULD get like 15 or 20....

DavidNY
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Postby DavidNY » Thu Jul 04, 2013 11:07 am

FastSRT8 wrote:I should apply. I have never had one. Don't know my fico score. What do you think I will get from them as a limit?


I don't know if they offer the card outside the US.

im_mr_awesome
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Postby im_mr_awesome » Thu Jul 04, 2013 1:26 pm

Please apply, SRT. Maybe they'll send you a special card ^_^
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

Kripler68
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Postby Kripler68 » Thu Jul 04, 2013 2:12 pm

Hold on to hope 99, I just saw a pig fly in a Geico commercial, maybe they will increase your limit someday.

catsartcox
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Postby catsartcox » Thu Jul 04, 2013 2:34 pm

omg, haha.

This whole topic is just made of win.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

jojo
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Postby jojo » Thu Jul 04, 2013 4:12 pm

Discover has really flipped flopped with their credit policies in the last 10 years. I'm guessing they're just responding to economic conditions and the credit crunch we experienced five years ago.

When I first got my Discover 10 years ago, they handed out CLIs like candy. I actually had to call them to roll back my CL to $5K because I was in college at the time and didn't feel comfortable carrying a card with a higher limit. Then, I stopped using the card for five years and my CL remained at $5K. I started using it again but, I never spent close to my limit so I didn't care. In 2010, near the end of the credit crisis, I had to make a large purchase that would exceed my limit. I called for a CLI thinking they would just hand it to me like they did in the past. Oh no. They did a hard pull, but they instantly bumped me to $10K.

I don't think we're ever going to return to the lax lending standards we saw in the early 2000s. Discover is willing to increase limits, but they'll do some thorough due diligence first.

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FastSRT8
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Postby FastSRT8 » Thu Jul 04, 2013 7:36 pm

Let me see if I can apply as a non-US resident. Maybe they will give me a card.... $1500 limit LOL
Carpe diem quam minimum credula postero!

hockeyplayr
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Postby hockeyplayr » Thu Jul 04, 2013 8:03 pm

FastSRT8 wrote:Let me see if I can apply as a non-US resident. Maybe they will give me a card.... $1500 limit LOL


you got a $1500 limit?
Credit Scores: Equifax - 736 (October Fico) | Experian 726 (October Fico) | TU - 758 (October Fico)

Credit Lines: Diners Club 20k | Citi DC 9.1k | SDFCU 5k | Penfed 7k | Amex BCE - 10.5k | Chase Marriot - 5.2k | CSP - 6.5k |Discover IT - 9k | Sallie Mae 3.8k | Citi TYP - 3.5k | BOA 123 - 4.9k | Total Rewards 3.25k|

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FastSRT8
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Postby FastSRT8 » Thu Jul 04, 2013 8:09 pm

hockeyplayr wrote:you got a $1500 limit?


LOL no I have not applied yet. I'm predicting as a non resident they will give me $1500 only.
Carpe diem quam minimum credula postero!



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