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Hi guys, this is my first post on these forums, hehe, I been lurking for a little bit. I deposited $200 and started using the card frequently. I would use all $200 and pay it all off several times a month. I would spend anwhere from $400 to $600 every month. I used the "credit utilization trick" and left 5% ($10) of my limit every time my statement cut, and then paid it the next day. After 7 statements they graduated me (woohoo!!) and sent me my $200 back in the form of a check in the mail and raised my limit to $2000.
My question that kind of goes along with this thread is when should I ask for a CLI? I just graduated in the begninning of this month (March 2019).
Day after my 10th statement posted. No late payments. No excessive balances. Only secured at 300. I've called before. Still no good news.
I found out through my new credit union I get free FICO scores online if I register. If that is true once I have time I won't be keeping Discover much longer after the one year mark. I've had First National Credit Card double my limit within the last month. They have an annual fee, but at least they're trying to help.
I just don't understand all these people with barely 600 credit scores that got unsecured on their 8th month with 300 deposit returned and CLI to 2,000
WHY DO THEY HATE ME?! I swear I saw multiple people with bankruptcy get unsecured.
@Anonymous wrote:Day after my 10th statement posted. No late payments. No excessive balances. Only secured at 300. I've called before. Still no good news.
I found out through my new credit union I get free FICO scores online if I register. If that is true once I have time I won't be keeping Discover much longer after the one year mark. I've had First National Credit Card double my limit within the last month. They have an annual fee, but at least they're trying to help.
I just don't understand all these people with barely 600 credit scores that got unsecured on their 8th month with 300 deposit returned and CLI to 2,000
WHY DO THEY HATE ME?! I swear I saw multiple people with bankruptcy get unsecured.
Don't feel bad. I just hit 21 months, all scores up over 100 points, and nothing. I thought about closing it, but I don't miss the money and like the rotating categories most of the time. Can't qualify for another card. Not sure what they want from me. I've never burned them.
Took me 13 statements...wasn't responsible with card...no lates but high utilization...CLI from 200 to 1k...scores in 630s on increase