@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k 
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k
It doesn't even matter anymore but the highest i ever let report with Disco was $540 of $1400 then PIF, if that can be of use to anyone
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k
It doesn't even matter anymore but the highest i ever let report with Disco was $540 of $1400 then PIF, if that can be of use to anyone
Thanks for the clarification.
If it were me, and I wanted a Discover baby limit to be expanded? I'd have that card at well over $1k and likely to $1,300 at least once, probably over $1,000 twice, and then see what happens with the CLI. PIF is fine, pay it over two monthly payments is fine, but by $1,300 I mean the printed statement has $1,300 on it out of an available limit of $1,400.
YMMV, but if you never show a need for a higher limit, not much motivation for the bank to grant a CLI, IMO.
Good luck!
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k
It doesn't even matter anymore but the highest i ever let report with Disco was $540 of $1400 then PIF, if that can be of use to anyone
Thanks for the clarification.
If it were me, and I wanted a Discover baby limit to be expanded? I'd have that card at well over $1k and likely to $1,300 at least once, probably over $1,000 twice, and then see what happens with the CLI. PIF is fine, pay it over two monthly payments is fine, but by $1,300 I mean the printed statement has $1,300 on it out of an available limit of $1,400.
YMMV, but if you never show a need for a higher limit, not much motivation for the bank to grant a CLI, IMO.
Good luck!
Since i already have the Chase Freedom Card for 5% rotating categories as well as a non-stop 5% Sam's Club fuel CB, the way i see it is Discover has nothing beneficial whatsover to offer anymore since they decided to sit on any CLI for so long dragging their feet and nagging why, while other lenders so much newer then them have been regularly advancing with more comfortable limits, much sooner, and overtaking them with ease 
Hence will be glad ridding the profile of them and Crap1 for good.
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k
It doesn't even matter anymore but the highest i ever let report with Disco was $540 of $1400 then PIF, if that can be of use to anyone
Thanks for the clarification.
If it were me, and I wanted a Discover baby limit to be expanded? I'd have that card at well over $1k and likely to $1,300 at least once, probably over $1,000 twice, and then see what happens with the CLI. PIF is fine, pay it over two monthly payments is fine, but by $1,300 I mean the printed statement has $1,300 on it out of an available limit of $1,400.
YMMV, but if you never show a need for a higher limit, not much motivation for the bank to grant a CLI, IMO.
Good luck!
Since i already have the Chase Freedom Card for 5% rotating categories as well as a non-stop 5% Sam's Club fuel CB, the way i see it is Discover has nothing beneficial whatsover to offer anymore since they decided to sit on any CLI for so long dragging their feet and nagging why, while other lenders so much newer then them have been regularly advancing with more comfortable limits, much sooner, and overtaking them with ease
Your Discover doesn't also have 5% categories? Mine does, along with other variations of promo.
Oh well, everyone has to make a choice about which cards they really want, and this gets to the main reason for having any card at all: You decide whether you have a use for it or not.
I'll leave the comments with one, I think that it is likely you could get a CLI, but there are other cards that you prefer to use, so it hasn't been a requirement to get the Discover limit increased. And that is perfectly fine.
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@NRB525 wrote:
@CreditMagic7 wrote:
@chalupaman wrote:Besides for putting occasional charges, I don't use my Discover It card as much as I used to. No matter how much spending I put on that card, it remains stuck at a dumb toy limit which is one reason why I'm thinking about going for the Freedom again next year. Every card I've had I've used at some point though. I'm starting to use my Barclay card less and less too now that I have the Chase AARP.
Same here.
I also must have been included with those that got put in their low low scorecard group of mailed out preapprovals last year. Stuck at 1400 for 16 months now with a ridiculous 22.99 APR and several turn downs for CLI without a HP which i AM NOT willing to have them waste like Crap1. In fact Discover & Crap BuyPower baby limit 600 are on the chopping block the final week of December and good riddance to them both.
How much have you used the Discover $1.4k? Has the open amount gone over $1k at any point in time? On any one printed statement? Just checking for perspective on actual use vs CLI offers.
Thanks
No rhyme or reason to their neglect except perhaps the much better credit and limits then they're willing to stomach in comparison. And yes been thru the common routines of PIF, roll a balance, etc. And no i never tempt fate by running up to near max on any cards. If responsible credit useage with baby limits is not good enough for them, so be it.
What was your highest open amount? Still looking for a number in relation to $1.4k
It doesn't even matter anymore but the highest i ever let report with Disco was $540 of $1400 then PIF, if that can be of use to anyone
Thanks for the clarification.
If it were me, and I wanted a Discover baby limit to be expanded? I'd have that card at well over $1k and likely to $1,300 at least once, probably over $1,000 twice, and then see what happens with the CLI. PIF is fine, pay it over two monthly payments is fine, but by $1,300 I mean the printed statement has $1,300 on it out of an available limit of $1,400.
YMMV, but if you never show a need for a higher limit, not much motivation for the bank to grant a CLI, IMO.
Good luck!
Since i already have the Chase Freedom Card for 5% rotating categories as well as a non-stop 5% Sam's Club fuel CB, the way i see it is Discover has nothing beneficial whatsover to offer anymore since they decided to sit on any CLI for so long dragging their feet and nagging why, while other lenders so much newer then them have been regularly advancing with more comfortable limits, much sooner, and overtaking them with ease
Your Discover doesn't also have 5% categories? Mine does, along with other variations of promo.
Oh well, everyone has to make a choice about which cards they really want, and this gets to the main reason for having any card at all: You decide whether you have a use for it or not.
I'll leave the comments with one, I think that it is likely you could get a CLI, but there are other cards that you prefer to use, so it hasn't been a requirement to get the Discover limit increased. And that is perfectly fine.
Good point! And therein is the EXACT reason. Most cardholders prefer to use cards from lenders who don't deliberately try to hold them back from expanding or try to saddle them down with an insane high APR to boot. Most QUALITY lenders reviews accounts and exercise efforts to COMPETE!
My worthless card is the Chase Sapphire Preferred, $11,900 limit. I'll be cancelling it as planned before the annual fee is due.
I've used it occasionally so it its not completely obvious that I never intended to use the card. But with Freedom having Amazon as a 5% category this quarter, I put my Black Friday expenses on that card. I may 'complain' about the changes in the CSP card benefits when I close the card But $400 signup bonus and being able to transfer most of not all of $11,900 limit to my Freedom were the reasons I obtained the card.
If Chase was to close down both cards, it wouldn't be that big of a deal to me.
