Well Discover certainly is not a leader on most things but they do seem to learn over time (sometimes painfully for their customers). While my card issuers, particularly Citi have been both extremely generous in lowering my APR - now down to 3.99%- yes three point nine nine, after repeated requests to Discover and previously using their absurd fill out the form and mail it back request process, Discover has my rate down below 10 now and did it on the phone.
It sounds too like they have lightened up on the credit risk side too on issuance and credit limits
Nice to see them focusing on the key things that matter and not just the the cosmetic or or not critical items.
These guys may begin to earn their way out of the sock drawer or back of the wallet.