Will my discover cl increase pretty nicely if I’m a good boy?

[jazzyvar84]

My credit score has been as low as the three hundreds in the past. I have gotten it up to the mid 600’s. Some hospital bills and high utilization from medical expenses have caused me to drop to 602. Discover granted me a $750 limit. If I utilize the card heavily and pay off the balance every month before the due date, will they significantly increase my credit line? I’m really trying to build my credit worthiness.

[Remedios]

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@jazzyvar84 wrote:
My credit score has been as low as the three hundreds in the past. I have gotten it up to the mid 600’s. Some hospital bills and high utilization from medical expenses have caused me to drop to 602. Discover granted me a $750 limit. If I utilize the card heavily and pay off the balance every month before the due date, will they significantly increase my credit line? I’m really trying to build my credit worthiness.

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No one can really answer that question. 

Discover is unpredictable  however CLI requests are soft pulls, so no harm in asking 

I think you'll have better luck once your scores get a bit higher and utilization on other cards goes down. 

Good luck 

[grower1]

Hi Jazzy,

This thread has some history of users Discover limit growth. Goodluck 

https://ficoforums.myfico.com/t5/Credit-Cards/Whats-your-Discover-card-credit-limit/m-p/5377951#M159...

[AverageJoesCredit]

Use your card responsibly and Discover will eventually open up. No need to force feed it

[Anonymous]

With a $750 CL I would spend $75 or less per month with them and setup auto pay for the statement balance. 

If you're looking to reap the rewards for the first year then make sure less than $75 reports at statement close aka make multiple payments.

Less is more w/ any lender except for Cap1 that wants to see heavy use to grant a CLI.  What reports is more important when it comes to scoring and getting things to move upwards.  Each lender knows what your spend is like w/o looking at your reports when considering you for a CLI.  The key is to make sure there's activity each month to keep the computers happy that decide what your CL could be if you were to ask for more.  It doesn't take much spend to get bigger limits in the long run.  

[Jnbmom]

Well if anyone knows discovers secret to CLI, I would love to meet you 😂😂😂😂

They are by far the most unpredictable lender out there hands down.

Just use your card responsible and you will get some CLIs.

[jazzyvar84]

Thanks!!!

[CramEiko]

IMHO - Only time will tell. Set your benchmark and exceed it. You will need to establish tradines with time. Time being is as equally important to making on time payments.

[jazzyvar84]

I really appreciate you all sharing your honest opinions with me. I come from a family that cares nothing about credit and I learned a lot of those bad habits, but now I’m trying to pull it all together.

[CramEiko]

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@jazzyvar84 wrote:
I really appreciate you all sharing your honest opinions with me. I come from a family that cares nothing about credit and I learned a lot of those bad habits, but now I’m trying to pull it all together.

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Turn it around and show your family how much money you'll be saving with your outstanding credit. Maybe others will follow? Scoring in the 800's can be done with determination and a lot of gardening. Read up and turn it into a game for yourself. Make achieving excellent credit fun for yourself and potentially save yourself thousands of $$ as a result. You can do it!

Good Luck!