Hmm... I need to find out myself. I don't know what is the answer to your question. I'll do some investigation and get back to you if I find an good answer. You should email the people at Discover Card as they probably can help you..

I combined my two low limit Capital One cards to a limit of $1750.

Once I did that all my new approvals were in the 2-3 thousand range..

18 months later my highest limit is 9K..

HSBC - Good luck with this one! I'm pretty sure I started with the same HSBC Discover card that you have. I got it 18 months ago and have received (2) $100 increases, both that I initiated. I've called and threatened to cancel, but they won't budge on giving me more. This was my very first rebuilder and I am hesitant to cancel it. They keep telling me to re-apply for a better card, but I don't want any more new accounts..

Barclay's - You may get somewhere by calling the magic number on this forum. This is what I did and ended up getting a 3500 limit on my Apple card. I think they like you to explain your "issues"..

Macy's and Walmart will both give regular CLI's with use..

As far as getting higher limits on newly app'd cards, I've done pretty well for myself. I was in sub-prime hell with just NSBC and CreditOne. I let them age about a year and applied for Navy Fed. They gave me a $1500 starter limit on one card in January 2009. As of today, I have a $5000 NavChek, a $5000 nRewards Visa, and a $3000 cashRewards Visa. I also have received really good limits with USAA, Macy's and Barclay's was quick to up my limit when they saw that I had other higher limit cards.



Hope this helps! cGood luck!..

Somebody here.

YEARS AGO.

Always said.

"EXERCISE".

The cards.

Use them and pay them off.

Small credit limits (under $1,000) need.

MORE.

Exercise then "5" figure cards..

A pack of gum every couple of months, with the amount PIF'd before statement cuts..

The card stays active..

Reported balance $0, reported util 0%. FICO only cares about utilization, not absolute CLs..

Ask for a CLI in a few months depending on the issuer CLI policy (soft or hard CLIs)...

GEORGE is right. I play with my "toys" all the time! Yet I keep my utilization under 15-20% on any one card, pay at least double the minimum, and ALWAYS on time. Total uti. is less than 7%..

I started out in '07 with Orchard $300, now $1100. The lowest is Chase at $800..

I've also gotten Discover $1350, UMB "The Hall" $5k, and Navy's nRewards MC/Visa $5k each....so personally I have to say patience is a key factor (AGE).....

I heard it's best to keep util on each card and overall util under 10%. I aim for under 5% most times...

My.

"TOY".

WALMART card is over $4,000.

Started under $1,500..

I believe there is also a train of thought for those.

Rebuilding.

Credit that.

NOT.

Paying in full every month is also good for your file and subsequent scores..

Potential lenders need to see a "payment history" on your trade lines..

If there is 10.00 due every month on the 10th of the month - send 15.00 on the 1st. but leave a small balance to do the same next month and so on.... for several months or more..

For thin files, this helps scores as well...

Yes, pay early and more than the minimum. If you have a 10K loan and the minimum is 125 and your paying (with Discover card) 175, after 6 months to a year, credit pullers will be able to see that when your credit is reviewed...

My.

"TOY".

SAMS CLUB / WALMART card was $20,000..

Then one day about a year ago they sent me a warm and friendly letter stating that do to economic conditions that they were CLD me to $5,000. I kindly phoned them and told them that if things are that bad that they can keep it all and I closed the account. It was a business card and since then I have closed almost all store / gas cards as they're not worth dealing with. I rather pay just one Visa / MC plus the rewards are a bonus...

To escape the toy limits stop applying for all of these crappy sub prime toy limit cards. Find a credit union where you can open a secured card for about $200 and then each month add an additional $200 to your savings. In two years you will have a $5000 limit prime card, $5000+ in savings, and when you apply for your new cards you're likely to get $5000+ limits and prime terms...

You.

CAN'T.

Make the call for a credit limit minimum amount....

IT DOESN'T WORK THAT WAY.

...and.

GE MONEY BANK.

Is not a sub-prime company..

Barclays pulls TransUnion almost exclusively. That's why I apped with them. My TU, at that time, was around 630 and was my cleanest report..

To others against going the toy limit hell way, all I can say is; To each their own. I knew my rebuilding was going to take some time and I wanted to start taming my credit demons right away. I could not afford to go the secured way then, but I can and will now. Stage 2 for me is working on getting CLIs the fastest way possible along with getting secured cards at USAA & Lockheed and making them grow. Thus, this thread..

So, do you all think it's bad to use the cards often and make several monthly payments? Or save money in my account and pay all at once? I don't like the idea of cards posting to the CRBs in mid-use with balances. I have heard some creditors, like Barclays, don't care for multi-month payers and place long holds on payments...

That's your opinion but to me any bank that's charging 20 points over prime rate is sub prime. Even their tier 1 Walmart Discover product is currently priced at 11 points over prime and that is still sub prime. The margins these banks are earning is unheard of and is not sustainable long term. If the prime rate rises to a more sustainable rate many of these borrowers who can still pay will be bombarded with interest in the 30 - 40% range..

The Purchase APR for all Accounts may vary and will equal the prime rate plus 16.90%, but not less than 22.90%. The Delinquency Rate may vary and will equal the prime rate plus 23.90%, but not less than 29.90%...

CITIBANK IS.

29.99%.

(NOT DEFAULT RATE).

GE MONEY BANK HAVE ANY THAT HIGH???..

Exactly... and of course most now know that Citi is sub prime along with B of A, Chase, etc...

...AND CHASE IS ONE OF THE FEW LEFT THAT HAS NOT BEEN APR JACKED...NOR CLD'd..

Have you gotten any cards from CUs? GEMB sucks and hsbc only has higher limits on some of it's products..

CUs give you the opportunity to verify income and justify higher limits. and we all know higher limits beget higher limits.....

Not yet, but I'm working on it. My reports are getting dangerously close to decent and I'm seriously thinking about skipping the secured card route. Come February, I'll have one baddie left to deal with on EQ and that's who my local CU pulls. Long story, but my EQ is going to go from horrible (582 at the moment) to pretty damn good within the next few weeks..

Once that happens, I plan on sitting down with my CU and refinancing my truck and hopefully getting a card...