Well, yesterday was my one year anniversary with Discover. I contacted Customer Service, again, about upping my credit limit without a hard inquiry. The rep said they review accounts annually and to check back with her on Tuesday. If I did not get an increase, they would have to pull my credit report...a hard inquiry (ha!). Well, today I checked online and I received a whole $300 (so my new credit limit is $1500) Whoohoo! I still feel stiffed, but I got what I wanted so I will wait another six months and bug them again. Does anyone know if Discover will upgrade you to Platinum, like Citi and MBNA or do I have to apply? Thanks. Dani