Data points, patterns and theories for CLI

[Anonymous]

Excellent points.

Since we are theorizing - For Discover, I try and not pay any interests, in fact in I have paid $2.40 in terms of interests in the past 24 months. What I do pay are Bal Xfer fees (Discover has great Bal Xfer offers). Maybe, just maybe...that's what different. Having said that I think their algorithm also uses the "used vs avail balace" to determine auto CLIs.

[Anonymous]

Yup! SP for sure. It had a disclaimer that read, "...this will not affect your credit score..."

Although, as soon as I saw the luv button, I hit it and told a friend about it. He did not have the luv button.

Possibly targetted, since BOA is known to do HPs.

Good luck though!

[Anonymous]

Thanks for your 2c ButalBodyShots. The goal of this post is not getting your opinion of what makes "practical financial sense" from your perspective but to merely consolidate all our knowledge of CLI patterns, if any.

Where one lies in your two reasons, is a matter of perspective. We can delve into that some other time and not go OT.

[Anonymous]

yes, to the the 30% debt-credit ratio.

Also the points. CSR points are great BTW.

[Anonymous]

It definitely looks like BOA is still a HP. And SP offers are targetted.

Good luck with the luv button.