Right and some can even argue that for some [silly] reason a greater spend on Discover may actually hinder a CLI. Of course that's all on a profile to profile basis.
I have a couple new cards I'm wanting to build up so i will throw my Disco in my sock drawer and see what happens with it.
I'd still recommend using Discover for it's 5% categories, unless you somehow have another card that yields equal 5% rewards in that category. No point in passing up [greater] rewards just for a chance at a greater CLI. The times I've shown Discover "tough love" and given them no spend was during quarters where their 5% category didn't appeal to me for whatever reason... like when they offer 5% for Amazon and I've got the Chase Amazon Prime card already, or they do Home Improvement Stores and I simply use my Lowe's card.
Yeah i have i have been responsible as well with my card but i didnt ask for a CLI until after my first year with them
went from 5500 to12k
I read a lot of posts that people are getting frequent and hefty credit limit increases with their Discover iT cards.
I got the card back in September 2017, but every single request (for increases) I have tried online and over the phone have been denied. After about 11 months, they auto increased me from $1,800 to $2,200, but since then I have asked for increases and they all are denied.
I have used my card responsibly, carried a bit of a balance but paid it down to below 30 percent now. I have scores of about 640-650 according to recent score retrievals.
What does Discover want from me to get my limit increased? I would really like to get it higher to help with utilization rates.