Hi fellow myfico peeps, Today is my one year anniversary for disco yay! They told me to call back after my one year mark to request an increase but I have a question I need help with. My credit line is 2100 and I always pay in full, And is Not even due till next month. My question is should I leave that balance showing? Before requesting my increase or would it look better to pay it off 1st and then request. I'm Thinking the former to show usage, But then again the card gets a lot of usage anyways every month, thanks in advance !
Starting Score: 560
Yep Smart and Joe are right!
You just keep on throwing that sharpened dart on that disco board every month! Don't matter the circumstances. Some will stick some will not! Eventually you're gonna end up with a big fat CL and a huge stack of denial letters that come with it!
Iv gotten some with sizable balances on Miss Disco.... actually I didnt realize that i was getting into dangerous territory with my Discover early on in its life... and they autocli'ed it quite nicely .... She just wants attention, whether its use, or a BT.... So having a balance and asking for a CLI.... Ask away!.....
-J
Thanks everyone for the opinions. One data point to add. One year of history does not mean from the date you opened the card, which in my case was July 7th. Its 12 full statements which is coming up on the 19th. I was told to let that statement cut and do it again within thirty days. I'm patient I've waited this long whats another month lol. So needless to say I was denied again joy!
Do it again in 30 days and every 30 days afterwards. 
Just as my own data point... I have not seen a CLI from Discover in over a year. They're being very disagreeable on that front. It's one of my oldest revolving accounts and does not cost me anything. So no harm, no foul. 
I did actually get a few small increases during the year from hitting it🤣 i got it from 1k to 2100 before 6 months, no soup for you every since. As far as I'm concerned I have worked hard on my credit and the shape that it's in am i crazy to think that I deserve some more? To me 2100 is almost insulting, maybe I am crazy who knows. I just want somebody to acknowledge my hard work dangit! 😇
I would fall over if I were to ever receive an auto-cli🤨
Discover is my most stubborn card for CLI. I was getting a few small ones last year but nothing at all now since around November
