Hello everyone, I've had my discover card since march I believe and they started me at 1,000 then auto at 3 months to 1250 then auto again to 1750 ( current). I had to use the card to take care of medical expense and now have a balance of 650.00 and I'm wanted to call and request an increase so that my utilization will be lowered. I'm thinking about saying something like " I want to take advantage of your cash back bonus for my holiday shopping" or do you think I'll be denied by being truthful and saying " I just want my utilization to be lowered"? Also, you think having a high balance be cause for automation deny anyway? And if not what is the highest I can ask for without a hard pull, I'm thinking about asking for a high amount in hopes that they will counter it off with the amount I'm " really" expecting? Background into for ya, NEVER been late EVER on any credit card, never have gone over 50% uti on any card. Fico score in middle 700 range on all 3 oh BTW I'm calling the back door number if that helps, thank u
Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 34,000/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 20,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
