Discover IT CLI after 2.5 months!

I don't even know why I hit the luv button before the 6 month mark, but I am so glad I did. I recieved my card with 6000.00 Credit line, April 23 of this year and watched with envy as everyone rode the discover CLI train. During the last few months, I did a 1900 balance transfer, ran everything through the card, took a trip, got about a 100.00 cashback, ...you name it I did it. The card is at about 15 percent utilization( I'm taking advantage of the 0 percent intro period)and 9 percent over all. My 3rd statement closed yesterday and I hit the luv button and got what I consider to be a huge CLI of $4000 for a total of 10,000.00! This card is now about even with my highest card 6.5 years ago before I got into trouble. Thank you Discover. I won't ever let you down. Fico: TU 718, EQ 721, EX 708

PDXgigi wrote:
I don't even know why I hit the luv button before the 6 month mark, but I am so glad I did. I recieved my card with 6000.00 Credit line, April 23 of this year and watched with envy as everyone rode the discover CLI train. During the last few months, I did a 1900 balance transfer, ran everything through the card, took a trip, got about a 100.00 cashback, ...you name it I did it. The card is at about 15 percent utilization( I'm taking advantage of the 0 percent intro period)and 9 percent over all. My 3rd statement closed yesterday and I hit the luv button and got what I consider to be a huge CLI of $4000 for a total of 10,000.00! This card is now about even with my highest card 6.5 years ago before I got into trouble. Thank you Discover. I won't ever let you down. Fico: TU 718, EQ 721, EX 708That is a huge increase. Your scores a better than mine but they pulled TU for a cli after having the card 90 days and only got a 500 increase. Maybe because I rarely use the card but my TU is clean.

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Discover IT CLI+My first FICO score!

I tend to write too much - so...TL;DR: $3,000.00 CLI via the luv button for Discover - no HP needed! Also got first FICO score from Discover of 733! There are a few questions at the bottom of the thread, so please take a look if you are so inclined! As my sig says, I started my credit journey from a blank file in February of this year - I am 21 and decided that it was time to start building credit. I was approved for a Discover IT card with a limit of $1250.00 (other cards that I got at the same time are in the sig). The concept of credit was completely new to me, so I haven't really put a whole lot on any of the cards that I received since February. I have kept an eagle eye on util+bal reporting per advice from this forum, though. I've been testing out the luv buttons on CapitalOne and Discover sporadically for the past few months - Discover always wanted an HP, so I would back out, and I didn't really take the time to actually look at CapitalOne's (I'm in the Credit Steps thing, though, so I didn't think they would approve a CLI until that is completed next month or so). I wasn't expecting to get a FICO score from Discover until September or October, so imagine my surprise when I saw that it had me with a 733 from July 20th! After that, I just decided to try the luv button on Discover again - I was approved instantly for a $3,000.00 CLI, no HP needed! That totally floored me! I've been scared to put things on the Discover card, so I wasn't really sure that they would pay any attention to my file - apparently they liked what they saw enough. This forum has been a great help (even though I've never really posted anything) - without the many posts of advice here, I doubt I would have even had the courage to apply for any credit card, so thank you all! I do have a few questions: 1) From what I gather, Capital One's CLI given at the end of the Credit Steps program is somewhat of a random chance - has anyone tried hitting the luv button before or just after getting an increase from that program to see if an additional CLI can occur? 2) I do check pre-qual websites every so often - for the past few weeks, I have been getting pre-quals online for Chase Freedom and Slate from Chase.com's pre-qual page. I wasn't expecting to see anything until about October or so for those types of things - I do bank with Chase, so it could be that they're using additional criteria, but do you think that I should apply for Freedom now and risk rejection or a small SL? I've heard that Chase's pre-quals are usually sound. I had been planning on waiting until closer to the end of the year to apply, though. I was turned down for Freedom in February for no credit history, so I'm hesitant to try again so soon - OTOH, I know Chase just likes to see good payment history, and then you're golden with them...I guess I am just wondering if 4 or 5 months is really enough for them. In the long run, I'd like to get Freedom and Sapphire Preferred together, as they are both wonderful cards. 3) I am having trouble formulating what to do next. I don't want to apply for cards just for giggles. OTOH, I'd like to get as much established as possible ASAP so that all of my accounts can age together (barring future decisions). I don't really spend a whole lot - it's mind-boggling to me to even have access to thousands of dollars that you don't technically have to repay right away, so I guess I am just having trouble trying to figure out which cards interest me and how to get ahold of them. How did everyone else start out in credit, really? I wonder if I should just wait for awhile... For anyone who has read this whole thing - thank you!!!

Congratulations on the CLI!
1.) I've had my Cap1 card since December 2012. After the credit steps increase of $250 I had a $500 CL. I got one additional CLI of $2k which brought it to $2,500. They have denied every request since then for a CLI, even the EO will not give me one. They had no problems giving me a $3k QS or $7.5k Venture though. 2.) From what I've read on here, Chase pre-quals are one of the better ones, but I have no experience as mine were cold apps. A low limit with Chase isn't the end of the world though, I got my Freedom in February of last year with a $500 limit as my third credit card, and less than a year and a half later it's my highest card with a $10k limit. You already have a rotating 5% card, but there's nothing wrong with wanting both! 3.) No one can tell you exactly where to go from here, it depends on how you tend to use your cards. Some of the cards I went for that remain my go-to cards would be Synchrony Amazon.com card for 5% off of everything on Amazon, or 0% 6, 12, 24 mo. financing on purchases of $150+ all the time, and frequent CLI. Another was Barclays Ring card because it has a flat low 8% APR for a low-interest card. Kohls for 30% coupons. Citi DoubleCash for a 2% cash back card. Discover/Freedom for my 5% rotating categories. Most of my other cards never get used! I started out with Cap1, and then ended up financing a laptop with the Barclay Apple Financing Card, and from there have been apping for the cards I want and closing the ones that no longer fit my needs or combining credit limits. In the end I'll end up with prime cards I like that can age. I was actually able to get approved for a loan on a brand new car without a co-signer just from the history on my credit cards. Good luck with your credit journey!

How soon to ask for a BOA CLI after auto increase & other ?

Hey all. I received an CL auto increase from BOA for my BOA Cash Rewards Platinum Plus Visa in May 2015. They bumped it from $1.5K to $3.5K. This past July (2015), I recently paid off a significant portion of my credit cards. .I currently have the following:-Chase SWA Visa ($8K bal, $9K limit). Chase reduced this limit on me in Dec 2014 from $12K due too many new acounts.-BOA Cash Rewards Platinum Plus Visa ($1.5K bal, $3.5K limit)-Credit One Bank Visa ($500 bal, $2.2K limit).-Discover IT ($0 bal, $1.5K limit).-FNB Omaha Visa ($0 bal, $1.7K limit)-Capital One Platinum MC ($0 bal, $300 limit)-AMEX Premium Rewards Gold ($0 bal, paid off monthly) Yesterday's Equifax FICO (from this site): 685Last Month (July) FAKO score from Discover site: 683 (prior to paying off other cards)Current FAKO score from Capital One: 704 No dings in last 7 years, No Mortgage, No auto loan payment. $70K student loans in payment (all current).Recent inquiries on CR since March 2015- EQ: 1; TU: 0; EX: 5 (2 drop off in Oct)$55K-$60K annual salary A few days ago I asked Cap One for PC and card with no annual fee and higher limit. I asked via chat service. No go.I also asked Discover for CLI through luv button, that too, no go. Both soft pulls. I plan to buy a house in the next year or so. I'd like to get all of my scores in the mid 700's.I was hoping to get a CL increase so I could close the Cap One (low limit,high annual fee) and Credit One (duh?) accounts without impacting my utilization. 1) Are they using old soft scores from a few months back when making these decisions?2) Do I have a better chance for a CLI with BOA? if so, how soon do I ask for it?3) What are the chances Chase would restore my original $12K limit?3) Is there another card I have a better chance at getting a larger CL? (not a veteran)4) Am I better off continuing to garden, paying down the Chase and others? I appreciate all valid advice provided.

Bankermeister wrote:
Hey all. I received an CL auto increase from BOA for my BOA Cash Rewards Platinum Plus Visa in May 2015. They bumped it from $1.5K to $3.5K. This past July (2015), I recently paid off a significant portion of my credit cards. .I currently have the following:-Chase SWA Visa ($8K bal, $9K limit). Chase reduced this limit on me in Dec 2014 from $12K due too many new acounts.-BOA Cash Rewards Platinum Plus Visa ($1.5K bal, $3.5K limit)-Credit One Bank Visa ($500 bal, $2.2K limit).-Discover IT ($0 bal, $1.5K limit).-FNB Omaha Visa ($0 bal, $1.7K limit)-Capital One Platinum MC ($0 bal, $300 limit)-AMEX Premium Rewards Gold ($0 bal, paid off monthly) Yesterday's Equifax FICO (from this site): 685Last Month (July) FAKO score from Discover site: 683 (prior to paying off other cards)Current FAKO score from Capital One: 704 No dings in last 7 years, No Mortgage, No auto loan payment. $70K student loans in payment (all current).Recent inquiries on CR since March 2015- EQ: 1; TU: 0; EX: 5 (2 drop off in Oct)$55K-$60K annual salary A few days ago I asked Cap One for PC and card with no annual fee and higher limit. I asked via chat service. No go.I also asked Discover for CLI through luv button, that too, no go. Both soft pulls. I plan to buy a house in the next year or so. I'd like to get all of my scores in the mid 700's.I was hoping to get a CL increase so I could close the Cap One (low limit,high annual fee) and Credit One (duh?) accounts without impacting my utilization. 1) Are they using old soft scores from a few months back when making these decisions?2) Do I have a better chance for a CLI with BOA? if so, how soon do I ask for it?3) What are the chances Chase would restore my original $12K limit?3) Is there another card I have a better chance at getting a larger CL? (not a veteran)4) Am I better off continuing to garden, paying down the Chase and others? I appreciate all valid advice provided. BOA might give you a CLI if you're willing to take a hard pull. Call-in and shoot for the moon. They'll counter-offer if it's too high. Chase is unlikely to restore your previous CL considering your utilization. I'd pay that down ASAP. Your scores should go up when you're below 30% utilization on that card, and it's possible that Chase will give you an auto-CLI a few months after you've paid it down. As far as another card with a larger CL, have you thought about a credit union? A credit union membership might prove useful when you're shopping for a mortgage. NASA FCU has been known to offer large ($25k) credit limits (with a 7.9% APR on BTs!). Plus, they offer unsecured lines of credit (mine's at 9.90% APR!) Don't be in a rush to close your high APR cards with AFs. Wait until you've paid down your Chase card and have either acquired a high-limit card or a major CLI (or both!) Hope this helps. Good luck!

Left fan got louder after around 2 months

hey. I just discovered that after around 2 months of use my left fan got louder. Is this normal ? I mean it can be normal if you use a laptop for around 2 years, but it is kind of weird that this happens just after 2 months. seriously my fan was very very quite when i got my macbook pro, but now it seems to become more and more anoying plus the freaking whine...
Regards,
Martin

Hey Martin,
To stop the whine use a program called 'Quietmacbook' Google it and you will find it, this stops the whine by loading the 2 processors but don't use it on battery life otherwise it will reduce your battery time, as for the fan, i have week build 28 on my macbook pro and the left fan is always on after the firmware update to stop the so called mooing issues, its probably the amoutn of dust in there which makes the fan spin faster to push out the hot air
Danny
Message was edited by: Danny Chapman

Project deleted in iPhoto 11 ver. 9.1.1 After spending three months building a twenty six page Book Project in iPhoto i added a page and later decided to delete the page. I selected the page, pressed the delete key and confirmed the delete dialog box ( i

Project deleted in iPhoto 11 ver. 9.1.1
After spending three months building a twenty six page Book Project in iPhoto i added a page and later decided to delete the page. I selected the page, pressed the delete key and confirmed the delete dialog box ( i didn't read, dummy) by pressing the delete button. The whole project was gone, the undo menu was grayed out and there was nothing in the iPhoto trash about my Book.
Surly I can find this if I knew the path to find the project in a library on a back column I have of my hard drive.. Could anyone help me?

Sorry I'm having a hard time getting this.
If I go to my hard drive BIGMAC>Library>Application Support>iPhoto>the only thing in this folder is Themes.
However, when I "Get Info" it's 580MB for 24,421 items. iPhoto says I have 35,977 photos. I would think the database would be into the GB for this many photos.
If I go to BIGMAC>system>Library>I find nothing about iPhoto
Is the iPhoto file in the Application Support the one I need to replace with my backup?
Thanks so much for your help.
Jack

IPod not charging after only 6 months

After only 6 months, my iPod (color display) seems to have stopped taking charges. When plugged into computer, a very faint image appears saying something like "Battery power very low." We brought to an iPod store. They said the battery is fine, and sold us a cord for plugging into wall outlet. We left it charging overnight, but it still doesn't work (it does work while plugged into wall).
Could the battery really be dead after only 6 months?
Does it really cost $80 to have a battery replaced?
Is there really no way to get support from Apple directly to answer questions like these?
Thanks,
Steve

Please note that
Normally, the battery should needs to be replacement around 18 months, yours is 6 months -Hummm.
Where did you buy it? Are you sure it is a brand new one? iPod with colour display have came to market for quite some time.
Try to do a reset and recharge your iPod again.
If still does not work, you can go to Apple shop again, your iPod should covered by 12 months warranty

After my 1 month trial verion expired, i paid for the Adobe XI month to month sub, downloaded the trial version again from the cloud and now when i try to use the month to month paid version it says my trial version has expired, an clues on how i access m

after my 1 month trial verion expired, i paid for the Adobe XI month to month sub, downloaded the trial version again from the cloud and now when i try to use the month to month paid version it says my trial version has expired, an clues on how i access my paid version?

sign out and then back in to your cc desktop app, Sign out, Sign in | Creative Cloud Desktop app
when signing in, use the same adobe id you used to subscribe.

Can I cancel single app monthly subscription after just one month?

I only need photoshop and illustrator.
Can I cancel single app monthly subscription after just one month?
For the annual subscriptions when do I need to cancel, to make sure after the year is over I will not be automatically renewed another annual subscription?
Thanks

http://helpx.adobe.com/x-productkb/policy-pricing/return-cancel-or-change-order.html
http://helpx.adobe.com/x-productkb/global/phone-support-orders.html

I have a MacBook Pro that I bought almost a year ago, next day problems with the hard disc that could not be diagnosed by the service, after 3 months they realized it and changed it with a new one, after 3-4 months heated and shut down and dont work anymo

I have a MacBook Pro that I bought almost a year ago, next day problems with the hard disc that could not be diagnosed by the service, after 3 months they realized it and changed it with a new one, after 3-4 months heated and shut down by itself and dont work anymore. From apple say even a year has not passed it is not under garancy and I should pay to fix it without ans issue.

I have a MacBook Pro that I bought almost a year ago, next day problems with the hard disc that could not be diagnosed by the service, after 3 months they realized it and changed it with a new one, after 3-4 months heated and shut down by itself and dont work anymore. From apple say even a year has not passed it is not under garancy and I should pay to fix it without ans issue.

Good morning , I bought my mac pro 13 ' in 2011 (OX 10.10) , in March 2014 I had to replace the video card , fortunately under warranty. Today, after only eight months starting with the same problems ! I read online that some mac products in 2011 wer

Good morning , I bought my mac pro 13 ' in 2011 (OX 10.10) , in March 2014 I had to replace the video card , fortunately under warranty.
Today, after only eight months starting with the same problems !
I read online that some mac products in 2011 were put on the market defective , you can get a warranty extension or even a replacement mac?

dubem747 wrote:
It looks like your phone has a some virus, use your computer to scan and remove it.
not possible for it to have a virus and a PC would not know how to scan the OS as its protected
Click here to Backup the data on your BlackBerry Device! It's important, and FREE!
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My battery has a current max capacity of 97% after only 2 month ...

Hi everyone.
I don't know if I'm a little bit paranoid but I just checked the current max capacity of my battery (Macbook Pro 2012 13") with different softwares as Battery Health or Battery Guard (available on the App Store) and it reads 97% after only 2 month and 3 cycles ... Is it normal?
I'm kinda worried, the loss of capacity seems so fast, to me ...
More details : this capacity was 100.6% just before I tried to calibrate it. I followed the advices of Battery Health :
1) Charge the battery until 100%, then wait 2 hours with the Macbook plugged
2) Use it, until it shuts down by itself, then let the Macbook 5 hours at least without charging it again
3) Charge the Macbook until 100% again
After this manipulation, my max capacity lost 3 percent ... Is this something I did? Is it normal?
Does the Macbook have to calibrate his battery again? Then, what's the manipulation to do to calibrate it (I looked for it on the Apple website, but I can't find a step-by-step)?
Thank you all

Battery capacity degrades over the life of the battery for a lot of reasons and will fluctuate from day-to-day by a percent or two. Instead of using apps to read the battery, you can get all the info you need right from the system itself. Click the apple in the upper left corner, About This Mac, More Info, System Report, Hardware, Power and then just read the battery Capacity, charge Cycles, Condition, and Voltage. As long as the Condition is Normal you are fine.
Although Apple says to calibrate the battery by discharging to shutoff and then recharge, that in reality is not good for Lithium-technology, and it does not calibrate the battery, it calibrates the charge reporting circuitry.
If you go to the Battery University site, an independent group that has done a lot of studies of batteries, you can find information on prolonging Lithium-technology battery life. One thing that is clear is that deep discharge cycles are very degrading on battery life. Optimum balance of use/life seems to be around a discharge to 50% and then recharge. Also, temperature is a major player in shortening battery life.
At thiis point, don't get too hung up on the battery capacity, use the MBP and enjoy it.

Y500 motherboard dead after only 18 months

My $1000 laptop is dead after just 18 months. The motherboard is unrepairable and my hard drive has stopped working. It has been having issues starting for at least six months but now it is dead for good. I'm pissed because Lenovo won't work wih me to repair it. They want almost $600 for a new motherboard and hard drive. That's without them actually touching the laptop. For that price I can just buy a new laptop. You can be sure it won't be a Lenovo. Apparently, they are ok with people paying a premium for their products that last less than half te lifespan of their competitors. I am so angry right now.
Moderator comment: Post edited to conform with the Community Rules.

Sorry for your problems, cadabra, but this is the iBook Discussion. We're all Mac users just like you. If you have a technical question about iBooks, we'll try to help. If you need to know how to get your backed up files onto your iBook, we can help with that too.
John

Can I install again my new software after 2-3 months when I buy a new Computer?Thank you

Can I install again my new software after 2-3 months when I buy a new Computer?Thank you

Yes. Also, you are allowed to have the software installed and active on two machines, so if you like you can continue to have it on the original machine. If you want to remove it from the original machine be sure to deactivate it first.

I bought a second hand Macbook Pro and colorful stud Only after a few months I decided to reformat it Bad movie started here I did not get it with a disc and I come to install the operating system And he asks the name of Apple's user ID financed had been

I bought a second hand Macbook Pro and colorful stud
Only after a few months I decided to reformat it
Bad movie started here I did not get it with a disc and I come to install the operating system
And he asks the name of Apple's user ID financed had been bought Lion OS Now
And who sold me does not answer then I found the phone number of his mother
She said he lived in USA and paid him more than the lion version of the MacBook and now I can not install Lion
And I'm not from USA

Unless you go back to the original owner, yes you need to pay for it again.
You're entitled to the OS that shipped with the device from Apple, but if you don't have that media there's nothing you can really do. If the system originally shipped with 10.7 or 10.8 then when you boot it to Internet Recovery, it will automatically offer you that OS version (as the serial # is registered with Apple). If it shipped with an older OS, then you need to enter the Apple ID that purchased 10.7 or 10.8. You didn't purchase it so that's not you.
The options you have are to buy Lion for $29 US (I don't know the price in Palestine), or Mountain Lion for $19 US (don't know the price in Palestine either), and install from scratch.
And it's a good idea to know you have restore media before you reformat your machine.

Capital one Cli after 3 month mark

My 3rd statements just posted for my 3 capital one cards, discharged june 2015. Got an instant increase on my capital one platinum for $500, 2-3 day message on my quick silver one rewards.

Congrats

Discover IT CLI after 2.5 months!

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