I have a couple of questions for those with experience with Discover CLI's:
Would it be best to wait until after my TU Fico 8 score they provide is updated? Right now my TU score in my Discover account is 638, but it is really 650 now and Discover will update it again on the 17th. The 9th will be 92 days since my account was approved, but I'm thinking of waiting the extra 8 days so they know my score is 650.
Would it be best to let my balance at the time I app be fairly high to show I'm using the card and could use a CLI? I could have a balance on the 9th or 17th, whichever day I do the request, then pay it down by the statement cut date so the high UTL isn't reported.
Any ideas? I really want this CL to go up and am trying to be very strategic. Any help would be really appreciated. 
Bella, I don't think there's a limit to how many times you can apply for an increase. You could app for an increase on the 9th, and if that doesn't work, try the 17th. You might be right about the higher credit score (better chance of approval and maybe a larger cli). With regards to carrying balances, I've seen many peeps getting cli's while carrying balances and many not owing a penny. Discover knows how much you've been swiping their card, and can see your purchases, so I'd probably leave a small balance (and this is only if your other cards are reporting zero balances - remember you're rebuilding).
If my memory is working this morning, you got approved for $500, right? Well, good luck to you - got my fingers crossed!
@Anonymous wrote:Bella, I don't think there's a limit to how many times you can apply for an increase. You could app for an increase on the 9th, and if that doesn't work, try the 17th. You might be right about the higher credit score (better chance of approval and maybe a larger cli). With regards to carrying balances, I've seen many peeps getting cli's while carrying balances and many not owing a penny. Discover knows how much you've been swiping their card, and can see your purchases, so I'd probably leave a small balance (and this is only if your other cards are reporting zero balances - remember you're rebuilding).
If my memory is working this morning, you got approved for $500, right? Well, good luck to you - got my fingers crossed!
Good advice, weedeb, thank you. My SL is $1000, no CLI yet. I guess I want to get into that generous CLI bracket that some seem to get! Maybe I should just chill on pushing the button altogether. Even though it's not a HP, do you think hitting the button too many times too soon makes me look desperate? And you are very right to remind me that I am, in fact, rebuilding!
Best of luck to you Bella007). Good of you trying to be strategic. Youll find what works for you then you will be the one doling out the advice 
Best of luck as well to you Brutal! Sounds like a great strategy. Hope it works out for you. Patience seems to be a key ingredient to getting more out of credit good to practice it too
Best of luck as well to you Brutal! Sounds like a great strategy. Hope it works out for you. Patience seems to be a key ingredient to getting more out of credit good to practice it too
Great job Brutal!