- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
takeshi wrote:Limits and CLI's are based on one's credit and income -- not on competing with other tradelines.
In a few limited cases, I think issuers do choose to compete directly with other tradelines.
I don't know if that's what's happening here, but for example I've sometimes heard about CO upgrading people to rewards cards and giving CLIs automatically within a day of a customer opening an account with a competitor. It's only anecdotal evidence, but it does sound like an effort to compete, rather than the result of a fundamental reassessment of a customer's risk.
I suppose it's possible that utilization could have been a factor in some of the cases.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech