Getting stubborn with cards that wont increase their limits!

[CreditMagic7]

To start, good ole Discover shorted me on the 14 month 0% promo intro at approval, already took the HP so had to suk it up and stew awhile on the instant high apr. No matter though, PIF, but 1400 SL wasn't near enough breathing room but reading posts here on SP potential CLI's at 3 months i expected a little catch up to my other cards at the time, US Bank etc. 2000 CL.
Fast forward now 8 months and all i ever get from their Nice reps is always a big fat no without HP. They did offer to lower the apr to a fraction of it's current beautiful rate.
I just don't get it with them. My reports are better then ever and scores up, Util. down, great income, higher limit cards with other top lenders from 3000 upwards, except Cap1. (600) laughable garbage.
Sometimes i think Discover is identical to Cap1 in Methuselah mode.
They both have 1 year to appear appealing on my reports or i feel an obligation to myself and current/future good lenders to drop them both out of lineup.

[Anonymous]

I specifically stated "assuming no benefits for rewards are being sacrificed"... 

Edit: see http://ficoforums.myfico.com/t5/Credit-Cards/Friendly-Supportive-and-Respectful-2-6-14/m-p/2797115

--Carebear

[CreditScholar]

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@Anonymous wrote:

I specifically stated "assuming no benefits for rewards are being sacrificed"... 

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That's a bit harsh, isn't it?

You're making an assumption that all cards are equal with your "no benefits or rewards are being sacrificed", when in the real-world this isn't how things work. No card is exactly equal, and there are ALWAYS tradeoffs to be had. If all cards out there have the same rewards structure, same CLI policies, same APR, same levels of customer service, etc. then you might be able to make this assumption. However that's not the world we live in, and therefore this assumption is meaningless.

[Anonymous]

Involver said to use cards to my advantage, which I indicated in my original post that I would, hence "assuming no benefits for rewards are being sacrificed." Meaning I wouldn't avoid using my discover this month at a resturaunt because they didn't give me a cli, I would rather get the 5% from discover (and "use the card to my advantage") than get 2% from amex. Involver called me out on being entitled and having an ego, that's a personal attack on my character and I will ABSOLUTELY NOT be okay with taking that silently, which is why I made note of the ignorance involver displayed. Furthermore, I never said anything about cards being equal. You assumed, that I assumed that.... Explain how I could make an assumption that all cards are equal when in the exact post you replied to I said "assuming no benefits for rewards are being sacrificed," which clearly designates a difference between cards!

[CreditScholar]

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@Anonymous wrote:

Involver said to use cards to my advantage, which I indicated in my original post that I would, hence "assuming no benefits for rewards are being sacrificed." Meaning I wouldn't avoid using my discover this month at a resturaunt because they didn't give me a cli, I would rather get the 5% from discover (and "use the card to my advantage") than get 2% from amex. Involver called me out on being entitled and having an ego, that's a personal attack on my character and I will ABSOLUTELY NOT be okay with taking that silently, which is why I made note of the ignorance involver displayed. Furthermore, I never said anything about cards being equal. You assumed, that I assumed that.... Explain how I could make an assumption that all cards are equal when in the exact post you replied to I said "assuming no benefits for rewards are being sacrificed," which clearly designates a difference between cards!

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Personal attack or not, Involver was completely correct.

You've totally missed the point, and sadly I don't see any chance of you understanding what is going on here. When you can seperate emotion from finances, you might have a better grasp of what he was trying to say (regardless of how he said it). Until then, I won't be wasting any more time with this.

[Pupeitmeister]

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@Anonymous wrote:

Involver said to use cards to my advantage, which I indicated in my original post that I would, hence "assuming no benefits for rewards are being sacrificed." Meaning I wouldn't avoid using my discover this month at a resturaunt because they didn't give me a cli, I would rather get the 5% from discover (and "use the card to my advantage") than get 2% from amex. Involver called me out on being entitled and having an ego, that's a personal attack on my character and I will ABSOLUTELY NOT be okay with taking that silently, which is why I made note of the ignorance involver displayed. Furthermore, I never said anything about cards being equal. You assumed, that I assumed that.... Explain how I could make an assumption that all cards are equal when in the exact post you replied to I said "assuming no benefits for rewards are being sacrificed," which clearly designates a difference between cards!

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I do not feel that anything other then an obervation of your posting style comes into play here.  I am not trying to be "all that and a bag of chips" but your first post mentions not giving certain lenders any incentive to give you a CLI.  A few posts later you mention something to the effect of not visiting "this site" for a while, which appeared to be because you were not liking the answers you were given.  This is an open forum, and a lot of people have opinions.  and we all know what they say about opinions.

That being said.  I wish you the best of luck on getting CLI's with the companies that you wish to maintain in your wallet, and for those that "cannot grow with you" on your journey, then perhaps you should consider SD or closing them, whichever benefits you.

GL BOSScredit, as we all are here to either learn, or to share what we have learned, in hopes that someone else can learn from it.  Please take heed to that fact.

[trzarocks]

I called the number on the card and did robo-cli on my 1 year anniversary. 4x CLI.  Stay patient.  It will happen.

[CreditMagic7]

If some of the Discover CLI results shared in this particular thread (and others noted) can be roughly tapped as a modest enough indicator then it's likely (correct if amiss) 12 months might be considered as an average.

Frustrating as it can seem, there's a matter of time period for new personal credit customers one has to take into account. Frustrates the Magic7 over Discover's waiting period too but 3 months is really pressing the envelope if you ask me yet there are definitely few lenders who will pad your SL that soon.
Hope it helps.

[SpeeDj]

I really have to stop reading these threads, just for grins I checked my BoA account and found a request cli button available so I did it and scored an increase of 4k. Approved, moral of the story hang in there, good things come to those who wait.

J

[SunriseEarth]

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@Anonymous wrote:

So my discover and bank of america cards wont go up in limits despite $3000 and $6000 respectively PIF over the last several months.. So now I've been using my chase freedom and amex heavily instead in spite of discover and boa hahahaha! Does anyone else do this? When a card doesn't go up in limit, you switch to other cards (assuming no benefits for rewards are being sacrificed) and use those other cards much more often out of spite! Ha!

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I wouldn't say spite as much as practicality, in some cases.  However, a high CL is just one factor to consider...

Here's an example:  I have a Wal-Mart CC with a $700 CL and a Target CC with $1000 CL.   Let's say I want to buy a PS4, which would cost $399 at either place.   Target has a 5% discount every RedCard purchase, but the Wally card has 0% financing for 6 months.  Which do I choose?   Clearly, if I'm wanting to PIF, Target is the logical choice, but if I need to pay over time, Wally is more logical to keep interest from adding up.  

Ultimately, no one here knows your credit needs as well as yourself.  if you prefer to "reward" CCs with higher CLs with more of a spend, that's your decision.  However, not everyone here would say that reflects their need.  

BTW, when the Wally CL was $300, that thing was heading for my SD.