@Anonymous wrote:
Just spoke with a Credit Analyst at Discover. They approved a CLI from $3k to $5.5k. I told them that I don't put large purchases on the card because of the limit (which is true). It was a hard pull 
But, I was correct about the reason for the SP denial. Apparently they use an "algorithm", but when I explained the student loans they did not seem to have any issues with it at all. Overall, I have got a ton of value out of this card between the Apple Pay promo, 5% categories, and double cash back at the end of the first year. So I'll keep it until the end of the first year - after that I think that I that I'll be fine with just my Citi Double Cash and Freedom cards. I do think that it is incredibly shady that I had get a manual HP review to get a reasonable credit line just because I have a large amount of student loans.
I would have just left it alone and ask for a CLI down the road, my two Discover cards has a combined limit of $57,200 all thanks to a SP CLI
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