<prompt> Human: Hey guys,Long time lurker. Ive recently been approved for my first non-secured credit card. I opted for a Discover It card and they seem to have given me a ridiculously low CL of 750. I was hoping to keep my credit utilization pretty low and use this as my main card but with that low of a CL I dont think Ill be able to achieve both.Has anyone had any success approaching CC companies, particularly Discover once theyve been approved and trying to negotiate a significant CL increase?  <response>: Credit utilization only matters the month or so you apply for a loan. If you really care you can pay it off before the statement so how ever much you want shows up on your credit report. 