01-17-2013 04:50 AM
Discover seems to like people carrying and paying down balances, at least they like it when my boyfriend does it!!! Hasn't had the card for a year (opened May 2012) and they've bumped him twice from $1250 to $1500 to most recently $1900! High balance was around $900+ now down to mid $700s...go figure...my brother has an account as well and they haven't done anything for him, polar opposite of boyfriend, makes small purchases then PIF, has had account since June 2012, still at $5000
Then again, I could be comparing apples to oranges...brother received preselected mailing for Open Road Student (?) (Discover account does not list it as a Student Open Road, however), while boyfriend applied for the More, was denied, but offered the $1250 card instead, not sure what kind of rewards, if any, it has, or what card it actually is.
I looked at your signature and actually laughed at that Shell card down there. I was like, really $800? I understand that Orchard one, but Shell and $800? The other limits you have and then Shell!
I hope Discover is nice to me! I don't want a Capone situation happening! (I doubt it will.) His student account might be classified differently for a set period of time or a maximum limit until he turns a certain age or something. Besides, as you say he only uses it a little so his limit is more than fine for him. I don't plan on using my Discover much at first, because there were no sign up bonus points, instead I will abuse that Chase card to grab those bonuses as fast as I can and then sock drawer it until they raise the limit so that I can get rid of those bad cards at some point in my siggy.
01-17-2013 10:20 AM
I can speak about my experiences with Discover auto-CLIs (YMMV, obviously!).
Discover - I've had the Miles card for a little over a year. During the 0%APR promotional when I first opened the account, I carried a balance but was never given an auto-CLI. After the promotional period I started paying in full. Around 8 months after getting the card I asked for a CLI via their "luv button" and received a 2X CLI. About 4 months later I recieved a $1200 auto-CLI. I think I average about $200-$500/mnth and pif.
01-17-2013 10:38 AM
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