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- Location: Nebraska
starting from a low credit score, it won't affect the scoring system as the scoring system looks for utilization and accounts reporting in good standing. So the score will raise at the same rate if you have a 200CL charge $10 and PIF or if you have 2,000CL and charge $500. Where it matters, lenders do like to see you managing 2 to 3 lines of credit with an average of at least 2,000CL. I've heard Discover for one doesn't like to give over your highest limit so if your highest limit is $750, Discover will match it. As far as skipping from a 524 credit score to a CSP in a year with a 2,000CL secured card, I doubt you could do that, but I think it would be safe to say that two 2,000CL secured cards would get you much further than one card with 200CL.