@Anonymous wrote:Discover strikes me as a rational lender. If an account is 2 or 3 years old, gets barely any activity, and the customer has a lot of other cards, where's the incentive to work hard to keep the customer?
The hope that you would bring a lot of spending over from dozens of other cards? I doubt they see it as realistic.
I am not sure how a CCC would bring about incentive for a given customer. CLIs and APRs stem from policy. Sugar coated discretion to make you feel special is something else. What kind of personal service did you have in mind? 
@Anonymous-own-fico wrote:
@Anonymous wrote:Discover strikes me as a rational lender. If an account is 2 or 3 years old, gets barely any activity, and the customer has a lot of other cards, where's the incentive to work hard to keep the customer?
The hope that you would bring a lot of spending over from dozens of other cards? I doubt they see it as realistic.
I am not sure how a CCC would bring about incentive for a given customer. CLIs and APRs stem from policy. Sugar coated discretion to make you feel special is something else. What kind of personal service did you have in mind?
Lots of folks around here have a very misguided ideal that the credit card companies are somehow in it to serve us. They'll offer us credit, and they'll give us incentive to use their cards, but when it comes right down to it, there's no reason for them to even care if we use them or not. And anyone who's been AA'd after adding more accounts than their lender is comfortable with will tell you how that worked out for them. Use your cards to effectively build your credit, but don't expect lenders to kiss your ring because you may or may not be a better customer than someone else. And especially don't go around thinking that you're somehow entitled to a CLI or APR reduction because you put spending on any card. I'll tell you right now, that's definitely not their line of thinking.
