@Anonymous wrote:
@score_building wrote:I had a 2k starting CL with Discover over an approx 2 yr period. tried to get a CLI but they wouldn't w/o an HP. Finally gave in and allowed HP. am now almost at almost 7k after few HP increases, still my lowest non store card CL but a keeper for the shop Discover casback and relatively high level of cs.
I keep hearing Discover is great with CLI's and they might be with some people, but to go from 2K to almost 7K with a few HP increases as you say, is not great CLI's IMO.
No offense to you, I'm just making a point, I had my Plain AmEx Blue Cash (2K initial CL) 61 days, called and asked for a 6K total CL (4K increase) instantly approved, soft pull, now that's what I call good CLI, another example, my BankAmericard Cash Rewards World MasterCard, had it 3 months (5K initial CL) after 90 days I clicked the "Increase your Limit" button in my online account and requested a 5K CLI, bringing my CL to 10K, 2 days later my online accout reflected a 10K CL, soft pull. Those are what I would consider good CLI's from good CCC's.
Again I 100% agree with you about Discovers world class CS, but their CLI process really stinks, this is my opinion and my opinion only, I mean no disrespect to Discover and to those who have had great success with Discover.
I agree. IME Discover has been significantly more conservative with increases than boa, citi, Amex, etc have been for hard free high dollar amount increases. As implied in my PP used to object strongly to HP for CLI, until I realized that if obtained hard free CLIs from a handful of issuers that was just icing on the cake and to generally be prepared for a hard for any CLI request and just be happily surprised if it didn't happen.
Also, with several 5 digit CLs already, have much more credit than I need. so for me, the Discover TU inq for 500-2k increases was worth it to get this rather conservative lenders TL up past 5K; don't really need more than that with their capped rewards programmes. Any increase is a good one in my book, don't ever want to let my NFCU, Amex, etc.- the sky is the limit, generous lenders spoil me. Through the years, have gotten a sense of the (oft changing) nuances of each of my lenders and to have a better idea when am barking up the wrong tree.
If the rewards and cs work for you, perhaps consider riding it out... not every issuer will give Amex, etc. sized CLIs w/o an HP but if that's a deal breaker, then yes, Discover may not be a good fit. Each different major issuer or CU I have has a somewhat different approach to CLI, etc. but have to say Discover does generally have growth potential, they're just dancing to the tune of their own drummer 
If am not mistaken, one of the vet mods, fused, I think closed his Discover card a while ago. don't recall why but don't think it had anything to do with HPs or CLIs- so we each have items that may become a 'deal breaker' as far as maintaining an account with an issuer.
Personally, it would take quite something more for me to close a no fee, somewhat lucrative TL than concern about the size of an increase or an HP to get one. DIscover has given APRD on request, offered infrequent no fee 15 and 18 month BT offers (and frequent 5% fee BT offers, no thanks!) temporary decrease of regular APR to 1.9 for 6 months at a time I wanted to carry a balance for 2 months. IME they are a rather solid issuer and have some nice perks my other cards do not offer...sorry I've managed to veer waaay OT again!
