Discover CLI

[Anonymous]

Sorry I forgot to mention that I do have other cards. I have Amex Costco with $2500, Wellsfargo with $3000, Citi Diamond with $1000, Citi Thank you with $2000 and I have store cards too like Macys, and Bestbuy, and other CC with an equivalent CL. That's why I'm wondering why they never up my CL.

[gdale6]

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@newhis wrote:

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@gdale6 wrote:

If this is your only card you need to beef up your Fico scores, you actually need 3 bankcards and 1 store card to help maximize your score. You have a thin file and they are most likely gunshy to go higher until they see more credit history and a thicker file. Are you trying to get the SP CLI or have you taken HPs in trying??

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I think is not longer needed to have a store card for score. Anyway I got one just in case.

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actually it is, it is necessary for the mix of credit category though the impact is small there is an impact.

[kdm31091]

It is not their only card, evidently.

OP, are you using the Discover card for most of your spend?

[Anonymous]

I used to but because I'm worried about my utilization. I used my other card instead.

[BluePoodle]

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@Anonymous wrote:

I used to but because I'm worried about my utilization. I used my other card instead.

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You need to max it and pay it off. If you keep doing that, you should get a CLI unless there are other issues with your CR.  High uitilization is temporary as long as you don't carry a balance for long. Of course if you no longer have 0% financing, than I wouldn't carry a balance at all. But use it for a while as your primary card if you really want a cli.