Should I call Discover?

[MrChairman]

I have carried some form of a balance on my Discover for the better part of 2 years. I have a 1800 balance with a max of 2k now. Paying interest. I am going to try to call today to see if I can finally get a CLI. Transunion score is 660

[Anonymous]

My card started (and is still at) $1k and when I asked about a CLI, they said they really can't do anything until the 6 month mark. YMMV, of course. But it didn't sound like a typical Peggy response to me, both reps I spoke to (once before getting my card, once when I called to activate it) made it sound like your starting CL is pretty much set in stone.

[Anonymous]

Wouldn't actually paying the balance help you a ton more than just tacking on a higher limit?  I mean your Utilization is pretty high no?

[Anonymous]

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@Anonymous wrote:

Wouldn't actually paying the balance help you a ton more than just tacking on a higher limit?  I mean your Utilization is pretty high no?

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If you're asking me, you would be incorrect. I just got approved for this card and haven't even actually received it yet, but I'm disappointed with the starting CL of $500 and wondering if I should call and ask for an increase already. 

Overall my util is very low...all cards paid off except for a small balance on my Citi card (~$200/$4,000).