Hi All,
I read through several threads with a similar question, but I could not really find one tailored to my question, and there were some conflicting viewpoints.
I app'd for Discover IT back at the end of September and was approved for $1250. That same night, I app'd for CSR and was approved for 17k. I made my first purchase on 10/2 w/ Discover. I hardly use my Discover, because my credit utilization just spikes up with any substantial purchase on it, whereas 1k on 17k CSR is a drop in the bucket. I still find it pretty insulting they give students with part-time jobs 1k secured SLs, but here I am with a well paying job and only $1250. I would like to give Discover more of my business, but I refuse to see my CU% shoot up because of it.
I think the most I've put on it is $400, but I paid off some of that immediately so that it would not report that high. I've been paying 100% in full every month. My question is this... At what day point (30,60,90 etc.) should I hit their luv button? I don't know how the SP works, but surely with them being able to see my Chase CSR on there now, it would make the system go !!!!. I would just like to get a higher limit and give them more business, but I just don't want to ruin my CU% over it. At what point should I hit the button, and/or should I be running more money through it than I have been in order to get their attention (does that even make sense?)?
FICO Scores: EQ 749, TU 731, EX 748
Appreciate your advice/thoughts!
