Requested Discover CLD... but got removed from future CLIs

[TRC_WA]

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@axlm wrote:

I received 3 CLIs from Discover in the past 4 months, and each time I adjusted the slider down in order to have a 'nice looking' number. Should I seek help too?

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Possibly?

Or am I just weird for not giving a flip if a CL is $10,500 or $4,750?

[axlm]

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@TRC_WA wrote:

Possibly?

Or am I just weird for not giving a flip if a CL is $10,500 or $4,750?

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Nah, my OCD must be at play here. Although I do find it easier to do some math on the fly with nicely rounded numbers.

[Anonymous]

I'm just not sure why you would do this, I don't understand. I really don't think it is a good idea to do this with lenders. Sorry it happened.

[Anonymous]

I might be missing something but I just don't understand requesting a "lower" credit limit.

[Kutuzov]

I'm the other way I try to get a cli to do an even number. Most times it doesn't work

[Anonymous]

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@core wrote:

When I did my last CLD with Chase (not for even-number reasons!), the CSR was nice enough to ask me if I wanted to remain on the auto CLI list.  I got the impression that if he hadn't thought to ask, the same thing would have happened to me.  Good thing Discover is SP.

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Discover gave me a HP when i asked for a CLI a few weeks ago. Got the card last September, got auto CLI in March.

[core]

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@Anonymous wrote:

I might be missing something but I just don't understand requesting a "lower" credit limit.

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One legit reason is to increase your odds of instant approval on a subsequent card app.  To avoid having to call recon and be questioned about all sorts of things, including "why do you appear to be reward seeking?".

[Anonymous]

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@core wrote:

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@Anonymous wrote:

I might be missing something but I just don't understand requesting a "lower" credit limit.

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One legit reason is to increase your odds of instant approval on a subsequent card app.  To avoid having to call recon and be questioned about all sorts of things, including "why do you appear to be reward seeking?".

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Right, for serious bonus chasing this is almost required.  Total CL doesn't matter, and CL on card hardly matters, the idea is to get the most bonus 

[axlm]

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@Anonymous wrote:

I might be missing something but I just don't understand requesting a "lower" credit limit.

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Well, we requested CLDs for an elderly family member. She uses her 3 cards not very often, always for small amounts and frequently 'forgets' to pay or even check her accounts. So we set them on autopay for the whole balance, and requested limits to be between $500~$1000. That way, if someone else uses her cards, we won't end up paying $10k in fraudulent charges, as she'd probably won't notice until is too late.

[Creditaddict]

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@core wrote:

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@Anonymous wrote:

I might be missing something but I just don't understand requesting a "lower" credit limit.

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One legit reason is to increase your odds of instant approval on a subsequent card app.  To avoid having to call recon and be questioned about all sorts of things, including "why do you appear to be reward seeking?".

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nope nope nope... if anything I see people talking to reps (chase) and can't get a CLI or anything but then apply for a new account and get approved for $15k+ when they were told by human that they were at exposure limit... I would never CLD in thinking that's going to make a new app with the same bank go through... the whole point of having the CL with a bank like chase and adding another card is you can easily move the cl and open the other card... why take away from your cl!

This whole thread lacks logic to me but i guess i have 95 credit cards so that lacks logic for most.