08-29-2013 03:18 PM
so about 4 days ago i requested a increase from 1000 to 1,500. i got message saying we will send a written response with 7-10 days. today i got the letter which i thought would be a denied message. but i actually got a message saying they need my IRS 4506T form. is this common for such a little increase? and wat are my odds of approval?
08-29-2013 03:53 PM
im not a student, income 32,000
08-29-2013 03:57 PM
Year and a half of credit history, no baddies ever. no late payments. about 45% util overall
08-29-2013 03:59 PM
So first question is, do you want to play? Some people don't, feeling that providing tax forms is too intrusive. For such a small potential increase, I might decide not to in this case. If you don't, your CLI request goes away, you just keep your current limit.
Have you had the card long? Have you been spending a lot compared to your income?
08-29-2013 04:02 PM - edited 08-29-2013 04:03 PM
08-29-2013 04:31 PM
yes im 45% util on all my total credit, since i dontplan on apping anytime soon ive been using my credit lines. and i was a student 2 years ago but not anymore.
08-29-2013 04:32 PM
ive had it for about 3 months. i spend on it frequently
08-29-2013 04:32 PM - edited 08-29-2013 04:36 PM
Were you a student with a different income when you first got the BCE? That might be why they want docs.
ETA: Just saw your post. Then idk. There must be something else going on...
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