First they told me that I was policy in that CU that no CL increase is given without a 1 year of credit history. But, the Financial Officer saw that in the 8 months I've been paying me balance in full, and no baddies, made an exception and gave me a $300 CL increase. My total CL now is $600.
For that CL increase they did an HP with TU. My TU FICO is as of today 11/13/14 746
He also told me that if I continue with the good record, I can come in 4 months to the branch for another CL increase (told me is very possible that I can go as high as $2000). The only negative is that they will need another HP if I go for the next CL increase.
Also, as of today, my balance is $0 so i have a 0% utilization
AVOID AMEX LIKE THE PLAGUE. I CAN PRACTIALLY GURANTUEE YOU, you won't get approved with them. It's not worth the Ding.
Well, if that is the case, I have no other choice than wait.
My plan now is to wait for my CU to report the CL increase to TU and then apply for the Discover it Chrome Student
What do you think? Is sound my plan or should I go ahead and apply for Discover now that I have a hot HP?