Credit Card Center Advertiser Disclosure†
05-14-2008 12:58 AM
05-14-2008 03:56 AM
05-14-2008 04:16 AM
05-14-2008 04:25 AM
05-14-2008 06:33 AM
05-14-2008 07:26 PM
What I would do in your shoes is to use the BoA like you want to use the Discover- run a lot through it, PIF. Put a latte or a candy bar on the Discover every week or so, PIF. Do this for about 3 months, so you're building a pattern of reliability.
Then call Discover and ask for a CLI, "because your limit is just too low to even buy gas with it and not wreck your credit score". They should see your usage on the BoA, and hopefully be motivated to compete for your business...
05-14-2008 07:55 PM
05-14-2008 08:04 PM
05-14-2008 08:11 PM
To drag out the gardening metaphor, consider this Discover card as a very tender little plant, way more fussy than the usual marigolds and tomato plants that you put out. You're going to have to give it a bit more attention and water and protection and plant food than you do to the others.
With time and a bit of luck, it might bloom for you.
To get back to the more boring version of things, Discover is a bit stingy with CLI's. I'd take the CSR at her/his word and hang on until the 6-month mark. Use and PIF, use and PIF, and shine up your reports in the meantime. Good luck!
BTW, are you getting one of the fun card designs? You can even have more than one, so you can use a different one each time you whip it out.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.