Approved for Sallie Mae Low CL

[BayRaider510]

So I applied for a Sallie Mae and only received a $1000 CL. Just wondering when I should ask for a CLI? I got the card as I am an avid Amazon User.

My Credit Stats:

Capital One Secured MasterCard $750 Limit, 2 years 8 Months

Barclay Arrival Plus World Elite MasterCard $3100 Limit, 1 year 9 Months

Valley First Credit Union Visa $5000, 0 years 3 Months

Overall Utilization 2%

Credit Scores are about 740-750 across all bureaus.

I had to call the recon number for Sallie Mae and the guy approved me. I asked why the low limit and he said not enough strong usage on the Arrival Card.

Suggestions for higher limit? Thanks/

[pizza1]

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@BayRaider510 wrote:

So I applied for a Sallie Mae and only received a $1000 CL. Just wondering when I should ask for a CLI? I got the card as I am an avid Amazon User.

My Credit Stats:

Capital One Secured MasterCard $750 Limit, 2 years 8 Months

Barclay Arrival Plus World Elite MasterCard $3100 Limit, 1 year 9 Months

Valley First Credit Union Visa $5000, 0 years 3 Months

Overall Utilization 2%

Credit Scores are about 740-750 across all bureaus.

I had to call the recon number for Sallie Mae and the guy approved me. I asked why the low limit and he said not enough strong usage on the Arrival Card.

Suggestions for higher limit? Thanks/

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Pretty typical of a second Barclays approval, with low CC history. But you do have history with Barclays I see. YOu can try to recon, they have a great recon team, or you could combine your limits and close the Arrival. Try for a recon first and see what thats gets you. They should still be opennow 

[pizza1]

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@pizza1 wrote:

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@BayRaider510 wrote:

So I applied for a Sallie Mae and only received a $1000 CL. Just wondering when I should ask for a CLI? I got the card as I am an avid Amazon User.

My Credit Stats:

Capital One Secured MasterCard $750 Limit, 2 years 8 Months

Barclay Arrival Plus World Elite MasterCard $3100 Limit, 1 year 9 Months

Valley First Credit Union Visa $5000, 0 years 3 Months

Overall Utilization 2%

Credit Scores are about 740-750 across all bureaus.

I had to call the recon number for Sallie Mae and the guy approved me. I asked why the low limit and he said not enough strong usage on the Arrival Card.

Suggestions for higher limit? Thanks/

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Pretty typical of a second Barclays approval, with low CC history. But you do have history with Barclays I see. YOu can try to recon, they have a great recon team, or you could combine your limits and close the Arrival. Try for a recon first and see what thats gets you. They should still be opennow 

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oops, sorry, I forgot to wish you a Congrats!!!

[TURNERHOOVER]

CONGRATS. 

[BayRaider510]

Would that work even though i had to recon to get approved in the first place? What would I say?

[ojefferyo]

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@BayRaider510 wrote:
Would that work even though i had to recon to get approved in the first place? What would I say?

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Just tell them you want to move the limit over and close the card. Don't call the CSR as they will tell you it can't be done. 

[BayRaider510]

I don't reallt want to close the Arrival yet though as it'll make me AAoA atrocious and I'm trying to build credit for a house next year.

[pizza1]

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@BayRaider510 wrote:
I don't reallt want to close the Arrival yet though as it'll make me AAoA atrocious and I'm trying to build credit for a house next year.

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ok, now we have a bit more info...Then I would say leave it alone, should Barclays some good faith of usage, and payments, and you should get a CLI on the new card in 6-8 statements. 

[tonyjones]

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@BayRaider510 wrote:

So I applied for a Sallie Mae and only received a $1000 CL. Just wondering when I should ask for a CLI? I got the card as I am an avid Amazon User.

My Credit Stats:

Capital One Secured MasterCard $750 Limit, 2 years 8 Months

Barclay Arrival Plus World Elite MasterCard $3100 Limit, 1 year 9 Months

Valley First Credit Union Visa $5000, 0 years 3 Months

Overall Utilization 2%

Credit Scores are about 740-750 across all bureaus.

I had to call the recon number for Sallie Mae and the guy approved me. I asked why the low limit and he said not enough strong usage on the Arrival Card.

Suggestions for higher limit? Thanks/

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What is your income?

[Anonymous]

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@BayRaider510 wrote:
I don't reallt want to close the Arrival yet though as it'll make me AAoA atrocious and I'm trying to build credit for a house next year.

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Closing the card will not lower your AAoA. I just closed a 5+ year old Juniper, (Barlays), when I reconned to get my Sallie Mae.