aquarius7373 wrote:I'm not interested in increasing mine any more, just my wife's in the future. Thank you, I haven't looked into credit union cards at all.
You've mentioned your wife's credit in little bits here and there. She's been approved for cards before but still doesn't know which ones?
Definitely get her credit report and read it in full. I have no clue what's going on that gave her a 644 FICO. If you can give more details on what happened, maybe I can help.
If Discover would only give her a secured card, then credit unions may want a partial or full security interest, too. So unless you've got the cash handy, her limit may be pretty low.