@Remedios wrote:
@coldfusion wrote:
@Remedios wrote:
@coldfusion wrote:Meh. They're throwing 💩 against the wall and hoping some of it sticks.
Well, after 18 months, they placed BT offers in my account...
How's that for mixed messages 😐
*Yo, you desperate. Here is BT offer, no $500.00 for you*
They might as well deny me with "You ain't marriage material"
They do the same with me - in fact they emailed me a 0% 12 month 3% fee (3%, not a mistype) offer on Friday after another denial last month - but they aren't anywhere as clever with me as they are with you with their reasons.
Id be fine if you wanted to princess if they ever come back with "No Goats For You!".
lol no princessing
Limit on this card is slightly under $25,000.00 so I should be grateful puter didn't spew "How dare you ask" reason.
I need increase on that card as much as I need tentacles on my back.
Before anyone asks "Then why ask for increase", the answer is One Super Duper Extra Long Year in the garden.
Girl gotta do something. I think.
You get bored so this is your entrainment!
I was told I'm not really Bride of God material by a nun in Sardinia, once. Is that the same?
@Remedios wrote:
@coldfusion wrote:Meh. They're throwing 💩 against the wall and hoping some of it sticks.
Well, after 18 months, they placed BT offers in my account...
How's that for mixed messages 😐
*Yo, you desperate. Here is BT offer, no $500.00 for you*
They might as well deny me with "You ain't marriage material"
Discover decisioning process, brought to you by LOL Cats.
@Remedios wrote:Maybe I've graduated to "Sufficient experience at not using our card"
It's all good, I didn't expect it, certainly don't need it, but I did find the reasons rather peculiar. I don't think they are random or made up.
Interpreting them properly is where my struggle starts.
It may have everything to do with me no longer micromanaging balances, so on CR it appears as increase in utilization since I'm not paying before the statement, and if I add presence of PL (with what appears to be increased utilization), it starts making sense.
LOL Cats are equally valid explanation.
Just when I decide their lending decisions can't get any more confusing, they say, "hold my beer." 
Their letter to you makes little sense, but of course they have a reputation to uphold. Speaking of making little sense, they're now offering me a promo balance transfer of 9 months at 0% for a 4% fee. Yeah... no thanks. 
As weird as they are, like you I can't complain too much. Their 5% quarters have been working out well for me, and they have been drama-free. Back in September I had a single PayPal purchase of just over $900, and they didn't flinch. (For the record neither did PayPal, which was nice... I figured one or the other would get 'skeered' since that purchase amount was way out-of-pattern for me.)
I suspect if you hit them up again in a few months the results will be different, possibly even shockingly different (as in, a really big increase), but of course you already know that. That's just how they roll...
@UncleB wrote:
@Remedios wrote:Maybe I've graduated to "Sufficient experience at not using our card"
It's all good, I didn't expect it, certainly don't need it, but I did find the reasons rather peculiar. I don't think they are random or made up.
Interpreting them properly is where my struggle starts.
It may have everything to do with me no longer micromanaging balances, so on CR it appears as increase in utilization since I'm not paying before the statement, and if I add presence of PL (with what appears to be increased utilization), it starts making sense.
LOL Cats are equally valid explanation.
Just when I decide their lending decisions can't get any more confusing, they say, "hold my beer."
Their letter to you makes little sense, but of course they have a reputation to uphold. Speaking of making little sense, they're now offering me a promo balance transfer of 9 months at 0% for a 4% fee. Yeah... no thanks.
As weird as they are, like you I can't complain too much. Their 5% quarters have been working out well for me, and they have been drama-free. Back in September I had a single PayPal purchase of just over $900, and they didn't flinch. (For the record neither did PayPal, which was nice... I figured one or the other would get 'skeered' since that purchase amount was way out-of-pattern for me.)
I suspect if you hit them up again in a few months the results will be different, possibly even shockingly different (as in, a really big increase), but of course you already know that. That's just how they roll...
Just like rolling dice in Vegas, Monaco, or Macu...except you can get rich in these locations.
That's a bizarre letter, really. I would not have expected you to get anything other than the random "Insufficient experience with current credit limit." letter followed by "Nothing changed since the last 6 times you asked, but why not? Here's $7000 more."
Hmm never seen those reasons before, with ANY lender. Disco just keeps getting weirder and weirder.
lmao that's really sad. As for me it's the classic, "not enough spend". I hit their 10% monthly but that's not enough to warrant a CLI. I feel like I got a bucketed account. It was my 3rd card and I was at my highest TU score of ~800 or so, now I'm at my 750s seems like they will never get my a CLI since I reported my CLI almost a year ago so they can't increase on "old info". I feel like I could probably just app for a 2nd card and get a 5-8K SL card. Sorta like those C1 cards where they bucket you to those $500 to $3000 CL and you can't get CLI anymore.
