I've been trying for the last few months to get a SP increase with on my Discover IT. Each time it's offered $500 and I declined, hoping for a larger increase. My last increase was $500 in Nov bringing my CL to $4400. I've spent, paid in full, or carried then paid in full every month. One catch is since I got the card in June '13, they gave me an auto increase each year in June. So, today I tried again a few days after statement just to see and they're now offering $1K.
Scores have been rising again from 660's to near 700 now, and I know I'm paying another card down that'll make them jump again after next month. I'm also past due to get SP increases from my Walmart, Citi & C1 cards (C1 Auto CLI me in June every year too, as well as my Barclay's), and I just got an auto 4k CLI from BoA a few weeks back.
What do I do? Will it ruin the chance of a possible auto increase, or may they do it anyway? Their auto increases have been decent. I guess this question applies to some of my other cards too. What would you do?
Any suggestions welcome! Thanks
Accept and move on to your next mission... 
Thanks for all of the feedback so far. Lol, so it sounds like I'm in ovef my head for not taking it. I was just worried they may not give me one for another few months.
I see people getting the auto luv then turning right around and getting a SP increase right behind it. I know it's a YMMV thing though.
I see people getting the auto luv then turning right around and getting a SP increase right behind it. I know it's a YMMV thing though.
I'm curious...so is there ever a time when anyone ever thinks about not accepting the low increase? Or should you always accept?