@Anonymous wrote:
@Anonymous wrote:
Here's the thing. There's no scientific or logical way to analyze what you are looking for.
You could decline the $500 increase and get a $5000 next month. You'll think it was a great idea to decline the increase cause you got a lot more soon. But what if you took the $500 increase now and then got a $4500 increase next month?
Since you have to pick an option, and can't pick both, you don't know what the result would've been if you picked the other option. Even the examples that you got so far fall in line with this fallacy.
I say take whatever increase you get and the apply again in a month.
I disagree with your take on it. Multiple people in this thread have stated that their amount left on the table has grown after having left it on there. That was my question originally and it was answered with multiple people saying it can grow. I wasn't sure if the CLI amount offered/denied would remain until it was accepted or not and I got an answer to that. Your argument here is take X now because there's no way of knowing if your next CLI will be Y or Y-X. That's not what I was asking, though, and the answer to that (which can't be determined) doesn't interest me.
Regardless, an equally valid point from a different set of data points and perspective, no? Or would you also discount those responses from those individuals who also offered the opposite results?
Equally evident is the fact that since no one here has any intimate knowledge on the algorithms or the UW methodology for Discover or any of its products, then @Anonymous's point is still valid. So, just because a few individuals may have had some success on that front with declining a CLI or eventually obtaining something higher at some point does not necessarily mean that's a set pattern for everyone since the individual profile will still play a significant or quantitative role, and at some point you will reach the max threshold before POI would be requested. Of noteworthy, the individuals who provided DPs on their growth do not have the same CL that you do, let alone the income/DTI or other factors which potentially impacts on whether growth happens.
So, to the subject of this thread "Those having DECLINED a Discover CLI, your advice?" there's going to be opinions and/or responses from the opposite side who will also wonder "why not just accept it...or who would decline it if offered?" To a variety of folks $500 is $500. To others, not so much. So both outcomes are acceptable.
