otter wrote:I don't think anyone has figured out the secret formula Discover uses to determine CL's. The best I can see is this: Discover wants to be the star in your wallet- they want Discover to be your go to card, not just for the 5% categories, but for everything. So if you have limited cards, they'll reward you with high CL's because they know you will be "monogamous". If you have a CSP, a Chase Freedom, a couple Amex cards, a few travel rewards cards, and a 1-2-3 type card, don't expect more than a few K for a CL.
No worries... I did sign up for the 5% gas with Discover, I've yet to use the card this summer. When I go over the limit on Sallie Mae for gas, Freedom gets my swipes, not Discover. I even sent their cheap-arse $5 Starbucks gift card back to them this summer ("return to sender- REFUSED"). Don't send me a gift card unless you are going to give me a CLI...
I totally understand about the limit with them. You've had that thing a year and it's only 2k which is kind of pathetic really I mean Cap One would probably give you that.
On the gift card, I got one but I used it and enjoyed my Frappucino on Discover's dime. I figured that's my CLI I will never get with them so what the hell.
Sad to say as good as their Customer Service is, I don't miss them in my wallet they are just too conservative for my tastes at this point. I have plenty of cards with decent limits so there just isn't a place for their 2k card that never, ever grows in my wallet anymore than there is for a Cap One card that never, ever grows. In all fairness to them, the last card they gave me was 4.5k, not bad, but it was never going up so I just decided to give the business to companies that took care of me.