I started working on my credit in dec 2012. Never had credit cards and always paid high interest on cars. I got a secured credit card in December for 1000 with a credit union.
Opened a couple installment loans with conns and paid them off already even though I had 30 months. Fast forward. I've gotten 10 accts since December and use all of them and pay in full each month. So in total I have 13,000 of avail credit with 5% util. So I call discover yesterday and asked for a cli. Denied for a soft pull. Then talked to a car and went from 1000 to 3000 because I make so many payments. She said that I need a little more wiggle room. I agreed.
