Disco graduated but no CLI.

[Horseshoez]

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@RSX wrote:

@Horseshoez closing in under a year will have NO impact to your scoring

it may have an impact with the company you had a card with - if you get a card, then close it in under a year, it may affect future apps with them - or CLI's on other cards you have with that company

so it is really just that company relationship that you want to keep - nothing to do with scoring

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LOL, I guess that's why they sent me a Quicksilver card with a $3,000 limit six months to the day after I closed their secured card with only a $1,000 limit.

[RSX]

@Horseshoez   I was just trying to help - that is why i put 'may' in the statement

it's all good - you go with whatever plan works for you

[b0yinterrupted]

I hope you did not cancel the Discover card. Even tho it's a low limit right now the history and future excellent payment history will be good for your score. Just throw Netflix on it or something and set it for autopay. 

[Libra85]

I also started out with the $200 secured limit in 2014. It took 6 YEARS for my card to graduate. Only received $800 CLI upon graduation. Requested CLI back in July denied. Tried again in Aug after reports updated $1500 CLI. I had the funds to increase the CL over the years but I focused  those funds on other cards with bigger limits. Now I have a card that has 7 years of on time payment history. App'd for another Discover IT this month received $4,000 SL. I plan on combining the credit limits. I couldn't fault Discover for not graduating me sooner or giving my a higher CLI at graduation because of the choices I made as a result of my credit profile. Since my credit profile has improved I've received $20k SL. 

[sourpuss29]

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@RSX wrote:

@Horseshoez closing in under a year will have NO impact to your scoring

it may have an impact with the company you had a card with - if you get a card, then close it in under a year, it may affect future apps with them - or CLI's on other cards you have with that company

so it is really just that company relationship that you want to keep - nothing to do with scoring

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@RSX 

You're right about this. It obviously would depend solely on the bank, but I have read in different threads that Chase is one that does not like it when people pull this stunt.