- Centurion Member
- Posts: 1141
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
I am still relatively new to Discover, and they've been good to me so far while I have been using it for nearly everything. I got a CLI on my request from $4,200 to $6,500 about 5 months in.
Based on anecdotal evidence and speculation on this forum, it would appear Discover wants to be your go-to card you use everyday. They will be generous to people like me starting out, but not so much to others with several other prime lenders in their wallets just looking to add Discover to their portfolio. Of course they have to consider creditworthiness, but the potential they see in you as a customer has a huge impact on how they treat you. Their was a recent post about a promotional cash back offer for someone that hadn't used the card a lot lately. That totally makes sense. They would honestly be wasting money offering something like that to me, but it gets infrequent users spending a lot more.
MAYBE that explains (or helps explain) your CLI? When they saw you weren't using the card they felt no reason to extend you more credit, but the second you put some substantial spending on it they offer a CLI as a carrot in hopes you'll use it. Again, it's speculation, but who knows if Discover's behavior will ever be deciphered?
EX - 804 (9/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now