Discover unOfficial Data Points

[Brian_Earl_Spilner]

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@AverageJoesCredit wrote:
With Disco you could achieve 800 scores and still not get the proper luv. They are that erratic. I love reading post where people actually reject a cli offered. I take anything they offer and run, you never know when the well will dry up no matter how good your credit is, last cli was, or how high your limit is.

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But, they were offended by what was offered because of their excellent profile.

[Anonymous]

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@Brian_Earl_Spilner wrote:

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@AverageJoesCredit wrote:
With Disco you could achieve 800 scores and still not get the proper luv. They are that erratic. I love reading post where people actually reject a cli offered. I take anything they offer and run, you never know when the well will dry up no matter how good your credit is, last cli was, or how high your limit is.

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But, they were offended by what was offered because of their excellent profile.

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I get that to a point, but Joe is one of them, he's super high on credit score too, but still decent person to not act like some of them do when they don't get what they want like little children. 

[Anonymous]

The day after my statement cut a week ago, my online CLI request was automatically denied. Today after readng encouraging updates on this thread, I tried again and got the 2-day notice. I'll report back if anything comes of it. I would gladly take anything they offer.

[Anonymous]

I dont recall acting like a child...

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

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@AverageJoesCredit wrote:
With Disco you could achieve 800 scores and still not get the proper luv. They are that erratic. I love reading post where people actually reject a cli offered. I take anything they offer and run, you never know when the well will dry up no matter how good your credit is, last cli was, or how high your limit is.

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But, they were offended by what was offered because of their excellent profile.

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I get that to a point, but Joe is one of them, he's super high on credit score too, but still decent person to not act like some of them do when they don't get what they want like little children. 

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I was being sarcastic. Nobody should be crying about what they get. These banks spend a lot of money on research and they know what profiles will probably default and they know what profiles will or won't make them money.

[AverageJoesCredit]

Lol iread sarcasm like i breathe air. Im not saying that a person shouldnt choose whats best for them . Ive actually read someone actually getting a better cli later on but with this lender i wouldnt do it myself. Cap One, sure, i know they can offer $100 and unless you are rebuilding and in need of every dollar, there i can see not accepting.

Anewleaf, best of luck on your 2 day as well

[Anonymous]

Thanks, Joe. Back atcha.

[Anonymous]

I'm not sure, but I thought I remembered a few people saying that if they were offered a modest CLI they would leave without accepting it, then come back a few weeks later to a generous CLI. I might have to try this on my item account next time. It's an interesting theory, albeit probably as unpredictable as anything else Discover does. 😏

[kugel]

Got a increas 3 weeks ago from 25k to 28k
My account is open 17 months opened it with 10k
And I am over 2 years after bk
How high can i still go for a cli ?

[Anonymous]

kugel: You never know until they stop saying yes IMO. If they already gave you $28k, I'd say keep asking for more! Good luck on $30k+!