Userofcards wrote:You keep talking about discover being 'tight with limits" when it isn't even true in your case. You opened a Discover More in 2012 with a 5.5k limit. That's higher than your AMEX BCP, closed Chase Freedom, current Chase Sapphire Preferred, a Barclaycard account you closed, and probably others. True, Discover didn't give you the high limits of FNBO or Associated, but it seems odd to single Discover out for "tightness" when Discover actually did better, limit wise, than around half your cards.
Its true your limit went from 5.5 k on Discover to 3k on your last. But within a bit over 1 year you opened and closed Discover 3 times! You never kept an account open long enough to get a substantial CLI (auto, soft pull or otherwise). The decreased limits are probably caused by that.
Anyway, perhaps Discover may be less likely to give large limits than other lenders. But these repeated insinuations that Discover gives only "toy limits" are simply false.
Look at the limits in people's signatures here. And on MyFICO. Rarely do they give as much as 5k. And anything over 10k is 1 in 100 at best. On the other hand you see LOTS of Chase, BofA, and Amex cards with limits over 5k and even 10k.
I realize you don't like that, but it's just a fact. I don't like it anymore than you do but it's just the truth.
Also I did keep two of the cards open long enough to qualify for auto clis, it's rare and always YMMV but I've read of people getting them at 4 months, and once in a great while, at 2.
I've also read stories of people who had the same limit for years, kind of like Cap One.
All in all their record with limits is just not good. I don't know why you want to pretend I'm lying or making this up, but it's the truth.
If it makes you feel any better, because I assume as much as you dislike me bringing this up you must work for Discover, I'd still like to have one of their cards someday probably years down the road. Maybe by then they will have loosened up a bit. I don't hate them, I just don't like the tiny limits that don't grow nearly as well as most other prime banks.