I was thinking of applying for a Discover IT card (only because I don't have a Discover card yet), but I can't decide on whether or not I should wait before applying for it.
I recently had to make a lot of purchases on one of my cards, which brought my overall credit usage to around 35%, the highest it has ever been.
My real question is will a credit usage of 35% impact the CL that a card issuer will be willing to give me?
If I wait until next month, when a lower balance will be reported, will the issuer give me a higher CL?
My Transunion score is: 754 (usually around 760)
My Vantagescore is: 746 (usually around 765-775)
I just checked my EQ score and it dropped to 701 (actually, it's the first time I've ever checked it, so I'm not sure what it used to be), probably due to the 35% util.
My limits are:
AAoA is 1 year, but my oldest account is only 2 years old, so that is not too bad IMO.