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Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
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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!!!
Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
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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
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Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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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,
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Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
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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!!!
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