Your Cap1 card is a secured card, it will not grow further. If you would like a higher line with them, you may apply for an unsecure card when you feel your scores and profile are ready. They have a prequalify tool to check approval for the Platinum and QS1 card; I would recommend the platinum as you can PC it to the no annual fee QS usually after 6 statements or so. The Discover card you may request a CLI at any time on their website. Personally I do it once a month the day after my statement cuts. There have however been multiple recent reports of Discover CSRs telling customers their policy on CLIs for new card holders are now restricted to having your card for a minimum of 1 year. Feel free to ask away with any products from either of those lenders as they are SPs, and if denied you may ask again at any time; there is not a clock that resets for a denial.
@Anonymous wrote:
@elixerin wrote:i'd request after executing the AZEO method (with the results showing on all three)
maybe give a couple days after the banks individual scorecard updates or you see it in your credit monitoring
Thanks! I may implement this AZEO method next month... Does Credit Karma show when they report? All I see on my dashboard is last updated date of May 15th.
@Ficoproblems247 wrote:Your Cap1 card is a secured card, it will not grow further. If you would like a higher line with them, you may apply for an unsecure card when you feel your scores and profile are ready. They have a prequalify tool to check approval for the Platinum and QS1 card; I would recommend the platinum as you can PC it to the no annual fee QS usually after 6 statements or so. The Discover card you may request a CLI at any time on their website. Personally I do it once a month the day after my statement cuts. There have however been multiple recent reports of Discover CSRs telling customers their policy on CLIs for new card holders are now restricted to having your card for a minimum of 1 year. Feel free to ask away with any products from either of those lenders as they are SPs, and if denied you may ask again at any time; there is not a clock that resets for a denial.
My third statement from Discover should cut in the next few weeks, I'll try and request after that then.
Another note, I've been getting mail about being prequalified for the QS so I'm half tempted to apply for that one since my CreditWise shows me at making excellent improvements to 695; although my FICO scares me since it's in the low 600s. Do you know if the promo mail the same as the prequal page?
Trust me, you're gonna wanna ignore VantageScores and focus on the FICO's.. that's what majority of lenders look at
CK and FAKO will give u points for all cards at zero balance while FICO penalizes for not utilizing credit thats why the AZEO is recommended, just one along a variety of other reasons
Last year, i used to try to get approvals off my CK scores and ate so many denials.. it was harsh, to the tune of about 16-20 inquiries each.. when i started focusing more on the FICO scores i found i was getting more approvals and just having an easier time in general in the credit space
can't ignore the help from the forum either 
