So last year I signed up for the discover it. I got counter offered the high apr no balance transfer or 0% financing offers to speak of needless to say I was a bit upset. In the last month and a half I've increase my CL by 2K and got 0% financing. I've treated her well and they're finally warming up to me as well. So anyone who gets counter offered just remember you take care of discover and eventually they warm up to you too.