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Discover at 6 months in Feb

Frequent Contributor

Discover at 6 months in Feb

My Discover card is hitting its 6 month anniversary in Feb.  I am looking for suggestions regarding how I can maximize my possibility of getting an auto increase.  My credit limit is at $1,000.  I carry a balance of $300 monthly.  I always pay before the due date and pay more than the minimum payment. 


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
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3 REPLIES
Frequent Contributor

Re: Discover at 6 months in Feb


sassymomof2 wrote:

My Discover card is hitting its 6 month anniversary in Feb.  I am looking for suggestions regarding how I can maximize my possibility of getting an auto increase.  My credit limit is at $1,000.  I carry a balance of $300 monthly.  I always pay before the due date and pay more than the minimum payment. 


If you can pif instead of carrying a balance that would improve your chances. Even if you are taking advantage of a 0% offer you still have a better chance at an auto cli if you aren't carrying a balance.

 

Also discover generally tends to reward usage, so more spending on the card (coupled with paying in full) would certainly increase your chances.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Message 2 of 4
Valued Contributor

Re: Discover at 6 months in Feb

used as normal spending then pif before payment cut.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 4
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Frequent Contributor

Re: Discover at 6 months in Feb

Thanks! I will try babysitting it for a while.  The credit limit aggravates me because I have to keep making interim payments.  My #1 card is my PRG rewards card.  The NPSL is right up my alley.  I just signed up for first quarter rewards.  I'll start using it more since I like the reward category- Restaurants and movies. 


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 4 of 4