So I got several modest increases when I was letting my full balance report on my Discover card. When I moved recently, for example, I was putting quite a bit of money relative to my credit line on the card. I was letting it report (imagine $ 1200+ on only $ 1750 of total credit) which dropped my credit score 30-40 points due to utilization.
I’m putting through more money in some cases now, but I’m paying off and letting utlization scores go down. My scores have gone from a low of 710 to a high of 755 in about 6 months just doing this (according to Discover’s TU score they provide). However, I also have not got a CLI in a while.
Do I have to let balances report in order to get good auto CLIs from Discover?
I’m always paying in full (not paid 1¢ of interest) and I’ve not asked Discover for a CLI, all auto.