I turned down my Discover CLI now I have questions.

[NoMoreE46]

So after 12 months, I get a CLI offer on my 1st Disco (I have a 2nd card as well now...)  

I immediately turned down the ever-so-long awaited offer.

The question I have is:

Given that my internal & external profiles are the same or better,  will this offer still be active in about 12 months?

My goal is to combine the two limits.  First card has $12000 SL from Jan 2020 and second has $7000 SL from last month.

[M_Smart007]

One would think the offer would still be there? .. but YMMV

"Offer's many times ..come and go"

[FinStar]

Depending on the offer, and if Discover was handing them left and right to everyone like in the former days, maybe it could be a "pass" for some.  But, since Discover is all over the place with CLIs, I would have personally taken the bait, even if $500 - opportunity for double-dip and CLI on second card (if applicable).  That said, everyone has different goals so it's possible some would feel the offer was 'underwhelming'.

And, as mentioned above, there is no guarantee if you'd get that or a better offer down the road (maybe?), regardless if your internal/external profiles improve over time.  Plus, Discover DPs have shown that even for those with pristine profiles won't yield a CLI -- for months or even a year+

[sarge12]

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@NoMoreE46 wrote:

So after 12 months, I get a CLI offer on my 1st Disco (I have a 2nd card as well now...)  

I immediately turned down the ever-so-long awaited offer.

The question I have is:

Given that my internal & external profiles are the same or better,  will this offer still be active in about 12 months?

My goal is to combine the two limits.  First card has $12000 SL from Jan 2020 and second has $7000 SL from last month.

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I think I might would die of shock if I ever were offered a credit limit increase on any card. I always PIF every card, and due to that, every time I even requested a CLI it was rejected. Usually the reason provided was that I had not used enough of my current credit limit. Fortunately, my initial credit limits are usually fairly high, 10k or more. Once they realize I am a strict transactor, credit limit increases just do not happen. I gave up on requesting them long ago. It is one of the few negative results of always PIF, but the positive aspects of doing so far outweigh any negative aspects. 

[Remedios]

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@sarge12 wrote:

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@NoMoreE46 wrote:

So after 12 months, I get a CLI offer on my 1st Disco (I have a 2nd card as well now...)  

I immediately turned down the ever-so-long awaited offer.

The question I have is:

Given that my internal & external profiles are the same or better,  will this offer still be active in about 12 months?

My goal is to combine the two limits.  First card has $12000 SL from Jan 2020 and second has $7000 SL from last month.

---

I think I might would die of shock if I ever were offered a credit limit increase on any card. I always PIF every card, and due to that, every time I even requested a CLI it was rejected. Usually the reason provided was that I had not used enough of my current credit limit. Fortunately, my initial credit limits are usually fairly high, 10k or more. Once they realize I am a strict transactor, credit limit increases just do not happen. I gave up on requesting them long ago. It is one of the few negative results of always PIF, but the positive aspects of doing so far outweigh any negative aspects. 

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That's unfortunate for you..

I haven't paid any interest,  and yet I got all the inceaases I asked for..

I wouldn't look at that imaginary "Transactor" designation, but instead, a true constraints to increases, income and use. 

[sarge12]

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@Remedios wrote:

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@sarge12 wrote:

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@NoMoreE46 wrote:

So after 12 months, I get a CLI offer on my 1st Disco (I have a 2nd card as well now...)  

I immediately turned down the ever-so-long awaited offer.

The question I have is:

Given that my internal & external profiles are the same or better,  will this offer still be active in about 12 months?

My goal is to combine the two limits.  First card has $12000 SL from Jan 2020 and second has $7000 SL from last month.

---

I think I might would die of shock if I ever were offered a credit limit increase on any card. I always PIF every card, and due to that, every time I even requested a CLI it was rejected. Usually the reason provided was that I had not used enough of my current credit limit. Fortunately, my initial credit limits are usually fairly high, 10k or more. Once they realize I am a strict transactor, credit limit increases just do not happen. I gave up on requesting them long ago. It is one of the few negative results of always PIF, but the positive aspects of doing so far outweigh any negative aspects. 

---

That's unfortunate for you..

I haven't paid any interest,  and yet I got all the inceaases I asked for..

I wouldn't look at that imaginary "Transactor" designation, but instead, a true constraints to increases, income and use. 

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My aggregate credit limits are high enough now to not really care about any credit limit increases, so it is not an issue. It may in fact be more due to the fact that I usually PIF before a balance is even due that prevents the increases. If I actually waited until the cards showed a payment due, the issuers might be more willing to grant a CLI. It may very well be the PIF before the statement cuts that results in the denial. It is a practice that keeps utilization low at all times, but if someone wants CLI's, it is not really the best way to do it. In my case, due to my past bad credit habits, and knowing I am nearly OCD in any habits I establish, it is necessary. I often pay cards 3 or 4 times in a statement period. It is hard to convince an issuer that a CLI is needed when the current CL is 15000, and the highest ever balance is under 1000 dollars. It would be of more concern if I really even needed credit, but I really don't. I enjoy the rewards, and like playing the game of increasing my scores, but would not suffer hardship if every avenue of credit were closed. I could pay off every creditor, including my mortgage next week if I chose to do so.

[NoMoreE46]

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@FinStar wrote:

Depending on the offer, and if Discover was handing them left and right to everyone like in the former days, maybe it could be a "pass" for some.  But, since Discover is all over the place with CLIs, I would have personally taken the bait, even if $500 - opportunity for double-dip and CLI on second card (if applicable).  That said, everyone has different goals so it's possible some would feel the offer was 'underwhelming'.

And, as mentioned above, there is no guarantee if you'd get that or a better offer down the road (maybe?), regardless if your internal/external profiles improve over time.  Plus, Discover DPs have shown that even for those with pristine profiles won't yield a CLI -- for months or even a year+

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Thanks for your point of view.  I am not scoffing at the amount ($1,000) offered.  My end goal is to combine my two Disco cards... 

Thus, I declined the offer on Card 1 in the hopes that Card 2 will be granted one in ~12 months.  If I am granted one, I would also decline the offer for Card 2 and hope the original offer for Card 1 is still available. 

Thereby, I will meet their new requirements to combine the two limits onto one account next year.

[OmarGB9]

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@NoMoreE46 wrote:

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@FinStar wrote:

Depending on the offer, and if Discover was handing them left and right to everyone like in the former days, maybe it could be a "pass" for some.  But, since Discover is all over the place with CLIs, I would have personally taken the bait, even if $500 - opportunity for double-dip and CLI on second card (if applicable).  That said, everyone has different goals so it's possible some would feel the offer was 'underwhelming'.

And, as mentioned above, there is no guarantee if you'd get that or a better offer down the road (maybe?), regardless if your internal/external profiles improve over time.  Plus, Discover DPs have shown that even for those with pristine profiles won't yield a CLI -- for months or even a year+

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Thanks for your point of view.  I am not scoffing at the amount ($1,000) offered.  My end goal is to combine my two Disco cards... 

Thus, I declined the offer on Card 1 in the hopes that Card 2 will be granted one in ~12 months.  If I am granted one, I would also decline the offer for Card 2 and hope the original offer for Card 1 is still available. 

Thereby, I will meet their new requirements to combine the two limits onto one account next year.

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That's a lot of "if's," but I hope it works out for you!

[NoMoreE46]

I am taking a calculated risk @OmarGB9 🤔

[Hex]

When I combined my Disco cards to open up a slot for a new account I only had a CLI available on one of the cards. I'm pretty sure you only need to have one available on one card to move the limit and close one of the accounts.