@Anonymous wrote:
most of the time just a few hundred dollars but the past two months about 1500 a month but discover has never used that excuse it's always something like not enough Experience with currant CL....i KNOW PEOPLE WHO GET cli WITH A MUCH LOWER SCORE AND ONLY USE THE CARD FOR THEIR CABLE BILL.
This is what makes people so mad at discover that have high limits on other cards and people with good to excellent scores. Discover IMO prefers people with little credit being not big CL's as they want to be your "go to" card from everything I can see.. They given me pathetic limits on my two cards I have with them in comparison to my other cards, but the best APR they offer.. It makes no sense recently approved for miles at 1250 CL (lol) and the best apr on the miles.. Seriously? My high CL is 35k and well you guessed it my lowest by a good amount is Discover IT at 4500 at 15 months old... Others are around 15kish a few lower and quite .a few in the 25kish range.
I think they figure I won't use them with all my other better cards I have as only thing discover is good for is SP CLI's and possibly BT's, but my CU can beat them on that along with the 5x cats and double cash back for first year, but that is honestly only 75$ per quarter cash back on the 5% back isn't huge money by any means. Obviously discover doesn't take income into consideration or DTI persay either as data points on forum shows people with incomes around 50k having 30k discover cards for example then people in the six figures with huge CL's on other cars stuck in discover crud land of < 5k cl's and the like..
Just from everything I have gathered from discover they like to be one of your first cards when you don't have alot of credit to get on their good side or they like to be with someone right out of BK as basically the same theory not alot of credit and hoping for alot of use as this is all I can piece together.. I feel like I am bitter and acting entitled which maybe I am, but certainly they can do better than 4.5k CL and a 1.25k CL for me as they are basically pushing me away from ever wanting to use their cards at the same time if that makes any sense. I am bitter towards them as the 1.25k CL is not useable if I wanted to let a balance post and the 4.5k CL is pretty unusable for a BT if I wanted to even do one of those... This is the only sense I can make about discover and you will see this over and over from other posters in similar scenarios as yourself and me, etc.
Only reason I kept the miles card is cause I did get the best APR and cuious what their first CLI will be, but guessing 500 to 1k.. Once I see that if they don't allow the combination of me rolling my IT card into the Miles card the Miles will be probably my shortest lived card ever and will just cancel it as it probably is doing my profile more harm than good with that CL. w/regards to future approvals
