I never get approved, why
I don’t apply to any cards, but I have checked “pre approval“ for discover , and to raise my credit limit on capital one. My spending is “high” but my card limit is only $300. Its been maybe 3 years since I opened the account and they have not raised it. I had another card at a bank that I closed a few years ago after paying it off because I did not like the bank ( I know now I could have just kept it open) that was $500 limit. My credit score is around 650 I think , I make 110k yearly, I don’t have missed payments or anything negative just a “high” balance on the one card and one closed card. I know they don’t like these things but the amount I make has increased doubly since I got a new job and I just feel like I could have a higher limit than $300 ..?