zero balance in the best case.....they can see everything and it's pretty much on computer decision.......
there is no guarantee you will be eligible for a CLI with Discover. I tried it after my 6 months and was denied via SP becuase of a collection (my 51 dollar paid utility collection from 2011 of course)...score with the letter was 713. You can always request one with a HP if you are willing to take the hit. It has been YMMV whether it is best to keep a balance of PIF...have seen succesfull increases both ways.
If I opened my account on November 1 of last year, should I just go ahead and press the button now? May 1 woudl have been 6 months, but I was waiting for the 17th to come along since that's my 6th statement date. I made a 500$ payment to lower my UTL so that's why I was going to wait until the statement hit. Do I need to do that in order for them to see the change in my available credit, or do they automatically see it when the payment is made?
what do you think?