MemberSince99 wrote:Yeah, I know. I like a lot of things about Discover, but not the stinginess with limits.
I know a lot of people had the "toy limit" problem with them but I didn't. They were my first real card and always used heavily, so that's probably why. They like heavy usage (just like any lender, obviously they want you to use the card).
I knew the 16 day thing wasn't going to last, so I'm not the least bit surprised it's over.
It grew from 2k to 16k in 3 years, and is my biggest limit and lowest APR at this point. So I get that this doesn't apply to everyone, but I think some of the people with toy limits just aren't showing them enough usage history to get the CLIs.
That may well be true. In my case, I *was* giving them heavy use, was being the keyword. Going forward, Citi is going to get the bulk of it. If they ever give me another CLI, great, but I wouldn't expect to see one and I'm not going to give them swipes just to see if maybe someday I might possibly years down the road see some more "luv" from them. Hell if I want to play that game I can buy a lottery ticket and there is also a very small chance it will pay off.
My philosophy now is, I don't care what they think. If they don't want to lend to me, then don't. No skin off any of my body parts. They are doing me no favor by making money off whatever I buy - it's not about favors it's about money and business. I'll use whoever I feel is in my interest to use and who I feel has best suited my needs and desires. I know some people here will scream how feeling that way is pretty much as bad as if you put people in death camps, but you know it's called the "free market", guys. They are free to do business with me or not, and I have the same freedom. And they still have to earn my business, even after I earn their desire to have my business.