Wife has no desire to ask for a discover cli

[Thomas_Thumb]

No worries - move on and forget about it.

My wife has no interest in credit scores - "if credit is good enough, then why waste time on it". So, we don't discuss it.

Her credit is hers and I am free to obsess about my scores if it makes me happy.

[Peteyglad]

Sounds like my wife. Discover even sent her a mailer for a pre approved CLI. She just threw it in the trash. She uses the card occasionally and pays it off so it isn't like she needs one. I just let it go

[Anonymous]

My fiance is the same way. Up until last week, she only had one card, a Wells Fargo cash back card. $4k limit, with an umblemished report and no outstanding debt, AAoA something like 10 years, and approximately $90k salary. She knows nothing about credit, so every time I've nudged her to request a CLI, she's balked at it and said she doesn't need $4k, so why would she need more? After about 6 months of educating her on credit, she finally agreed to apply for another card and got approved for a Quicksilver at $10k.

I'm trying to share the knowledge that I've gained from these boards with her, but it's a looooong slow process :-)

[MTSN]

I tried to tell my wife with her 830 credit score she should try for the 3x CLI on her Amex card over a year ago, and she said if I ever spend more than my current limit of like $5k I'm in trouble. I was like that's not the point!!! haha I'd just bite your tongue and let it slide.

[Appleman]

How would she feel about some of the current cards that are offering $150 and up as sign-on bonuses if she meets a certain level of spend? I guess you could wait until you are closer to the holidays and have her apply to get the sign-on, Christmas cash.

But, it is her credit. Great to know she manages her credit well!

[Kutuzov]

I got the same problem with my wife. If the credit limit is enough to use why bother? After 3 years of letting it by, she finally needed a cli on her Kanes sc cause our bed broke and we where already financing another purchase (at 0%). She went from 1k to 3k. Then I made her call the other cc/sc and got a cli on all of them. They don't care about their cl until it affects them directly and a few points drop might not get their attention. Maybe the presentation with pop corn and chocolate might do it ...

[Anonymous]

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@Anonymous-own-fico wrote:

Chances are there are far more enjoyable ways to pass the time with one's wife, lol.

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Agreed!!