when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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Welcome to the world of credit card companies. If you think that what Chase did was unusual and the exception, you are sadly mistaken. All of them do stupid crap.
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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Chase is stupid. I'm 23 making 40k and I have a 2k limit. I requested an increase, they said no, 2 months later, they increase more than i asked for just on a whim(sent me a letter)
I'm not sure...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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I have a chase freedom also and jack ass chase has me at like 14% percent
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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20 Replies
17,346 Views
I have a Chase Freedom card as well, and I got a hard inquiry on my report when I asked for a limit increase.
The OP obviously resolved this already, but I figured I'd add: Generally speaking,...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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When to ask for an increased credit limit? When you don't need it.
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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20 Replies
17,346 Views
Yeah that is kind of stupid, but I think it serves an ulterior purpose. They aren't asking you how much more credit you want because they care, or want to give that amount to you - they are asking...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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what I hate is they ask you for "how much more do you want", then run the credit, etc, and give you a # in return. they should just determine what they're willing to give you and leave it at that.
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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they raised it but only by $500 to $1,700. I was hoping for $3,000. oh well
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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thanks -- within a few hours, got my limit nearly doubled!
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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it is about standard for a computer engineering recent college graduate.
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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No.
If you apply for a new account or line of credit, the creditor will almost certainly do a hard pull on your report, which will be a minor 'ding'. However, if you already have an account, and...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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If i were you I would wait until you get some deposits into your account. After that I would apply for a different card (citi), discover ... and i would state the money I will be making 75k/year. In...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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gotcha, thanks. I was looking for a "request credit increase" link, which I swear used to exist. Messaging them now.
perhaps a temporary ding, so not something you want to do if you're...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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On the Chase website, they have that secure message feature. You just tell them your current situation (i.e income/salary) and the limit you want them to increase it to. They'll run a credit check....
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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don't they usually ding your credit when you ask for a limit increase?
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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17,346 Views
It doesn't hurt to ask. Worst case scenario, they do a soft pull.
After 8 months of usage, especially spending $1-2k on the card a month (and since you said you have a $1200 limit and keep $350...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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didn't call? where's th link on the website? ive been trying to find it. I found it in the past but don't see it now.
Thanks!
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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I know this is a little off topic but 75,000$ income right out of undergrad .. pretty impressive in this economy
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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Yeah just call them and ask. There should be no negative effects if they say no. But I bet they will at least raise it some. It's also better for your credit score to have a higher limit, so that...
when to ask for an increased credit limit
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Thread created 11-04-2012 by omghaxcode
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20 Replies
17,346 Views
You can simply ask them. They'll run their checks and make an increase based on what they find. I did that with my chase freedom. No hassle. I didn't even have to call them.
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