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I was approved for my Discover It card in February with a limit of $2500. I wanted to take advanage of the zero apr till next April and pay my rent with the card. I'm a college student with no income but my credit score isn't bad. I don't know what my fico score is because I recently got a new social and myfico is telling me I need at least 6months history for the number. This is what creditkarama is telling me though:
Credit Score: 772
UTIL: 2%
Total account: 6 (but only 5 are active)
INQ: 3
Total Limit: 19K
My rent is pretty high and I just don't have the funds to pay it in full right now. I've never been late with my payments and have always paid in full. When can I ask for a CLI and should I call or just do it online?
EDIT: I called CS and he said I had to wait 5 more months. Maybe I'm blind but I can't find the delete button. If there is one please let me know.
Discover increased my limit at the end of the 5th month. YMMV on this but i would wait at least 6 months before asking for a CLI. Mine was automatic.
6 month and 12 month marks for CLI on discover
opened mine 6 months ago with 1k limit today i asked for increase and was instant denied told them to close my account. 1k compare to my other cards I just discovered they dont like me
@kmpxx wrote:I was approved for my Discover It card in February with a limit of $2500. I wanted to take advanage of the zero apr till next April and pay my rent with the card. I'm a college student with no income but my credit score isn't bad. I don't know what my fico score is because I recently got a new social and myfico is telling me I need at least 6months history for the number. This is what creditkarama is telling me though:
Credit Score: 772
UTIL: 2%
Total account: 6 (but only 5 are active)
INQ: 3
Total Limit: 19K
My rent is pretty high and I just don't have the funds to pay it in full right now. I've never been late with my payments and have always paid in full. When can I ask for a CLI and should I call or just do it online?
EDIT: I called CS and he said I had to wait 5 more months. Maybe I'm blind but I can't find the delete button. If there is one please let me know.
How are you paying your rent with no income?
@youngandcreditwrthy wrote:
They do auto cli, but not for much.
I got an auto cli from 4,000 to 4,750 a day after my 6th statement.9
wow, congrats! My 6th statement is next month, hope i get some auto cli as well!
@kmpxx wrote:I was approved for my Discover It card in February with a limit of $2500. I wanted to take advanage of the zero apr till next April and pay my rent with the card. I'm a college student with no income but my credit score isn't bad. I don't know what my fico score is because I recently got a new social and myfico is telling me I need at least 6months history for the number. This is what creditkarama is telling me though:
Credit Score: 772
UTIL: 2%
Total account: 6 (but only 5 are active)
INQ: 3
Total Limit: 19K
My rent is pretty high and I just don't have the funds to pay it in full right now. I've never been late with my payments and have always paid in full. When can I ask for a CLI and should I call or just do it online?
EDIT: I called CS and he said I had to wait 5 more months. Maybe I'm blind but I can't find the delete button. If there is one please let me know.
Six months is the general wisdom.