@Anonymous wrote:Lol I gave up and stopped asking.
I am just happy to see my two cards have their limits intact.
I'm definitely happy to see mine intact, too. Their approval system is a mystery to me. The only part that makes sense is my last denial for lack of use of current available credit.
I gave up asking for CLI on either CC .. try next year
Even having an offer is a bonus right now. I'd be amazed if using one doesnt end in some kind of adverse action. I only have one bt offer ( Sears) that im so back and forth on even utilizing . Im sure if i use it , AA will start hitting across my accounts. I still havent received either stimulus or UEC so the bt could help but would just be more needed to pay back. Rock meet hard place
I havent smashed with Disco for a week now nor do i plan to anymore unless i find work. No use rocking a boat thats already sinking.
@Jnbmom wrote:Still sending those 0% BT checks every 2 weeks with 4% fee 🤢
But "no 🍲 for you" for CLI , last one 6 months ago.
They are on the record for no CLIs during the current COVID-19 stuff. I'm sure some people are still getting them, but it will be spottier than usual.
@AverageJoesCredit wrote:No use rocking a boat thats already sinking
Disco will throw you the rope....the whole rope
Spottier than usual? Let's see, is never-ever very spotty, or not spotty at all? I guess not spotty at all?
I will say upfront, I have a weird profile, and I don't blame a lender for not liking it.
But, I got a secured Discover last May. It had a $500 deposit/CL at first. I increased it to $1,000 in June. I used it quite a bit, making multiple payments per month, the balance never getting close to the CL. In December, it unsecured ... to $1,500. My FICO 8s were over 700 at that point. Everyone else I saw graduate usually got $2,000 or $2,500, often with credit scores in the 600s, bankruptcies still reporting, etc. Hmm, ok. Since then, I have requested CLIs a number of times. The requests are always rejected. My history with the card (and with all my cards) remains flawless. During this time, I went from not having an Amex, to having over $34k in Amex credit limits across several cards. I have gone from not having a Citi card, to having about $20k in Citi credit limits across two cards. Plus four $5k-$8k cards. Of all the cards I have, the lowest credit limit now is on my oldest card, Discover: a cool $1,500.
It is mind-bending (if they are uniquely freaked out by my profile, why did they unsecure the card immediately after the seventh statement?), but, whatever! It isn't as if I would get a meaningful answer if I asked them. They'd just tell me to try again later. At some point, I may open another Discover. If that one gets a decent CL, maybe I'll close the first one. If not, maybe I'll give up on Discover and try again in a few years.
