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I have a large balance on my Discover card and they keep giving me CLI after CLI.
@Anonymous wrote:I have a large balance on my Discover card and they keep giving me CLI after CLI.
Oh I'm so sorrrrrrrrrry
It was a nice effort to understand what makes Disco tick.
Looking forward to seeing my next denial letter to see if the not using limit language is still there, or if I go back to insufficient experience... Will report back when it arrives.
Very well could be. We'll see what happens going forward.
@Anonymous wrote:
Yes! I second that 🙋🏽♀️ They’re becoming a bunch of tightwads 😓
At least around here, most just use Discover for the (capped) 5% category and little/nothing else, and many of us have way larger limits than warranted. My Discover is at 25k or something like that; I have stopped asking for an increase because there's no point. So I can't say I'm really surprised if they did tighten up the CLI process because most of these limits are not going to be used.
I agree 100% with the above post. A high Discover card limit if the card is being used only to max rewards is not necessary at all. One can only spend $500/mo on average ($1500/quarter) before they hit the cap. All one really needs is a (say) $2000-$3000 limit on their Discover card to keep utilization in check if floating a ~$500 balance, give or take. Anything above a $3k limit or so is really just fluff.