Credit Cards

[colindidit]

If I asked for a pc it's a soft pull correct? I'm sure the answers on this post but I'm on my phone

[Strepthroat]

Wanted to update......spoke with a rep from the Exec office on Wednesday, checked my account today and received a credit limit increase to $10,000 from $4,500.  Asked for $15,000.

[p-]

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Strepthroat wrote:

Wanted to update......spoke with a rep from the Exec office on Wednesday, checked my account today and received a credit limit increase to $10,000 from $4,500.  Asked for $15,000.

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Nice.

[injustifiiable]

OK where is this email for the exec office???? I want to email them about adding cash rewards to either my secured card or HSBC Household Bank card that's about to get converted....

[p-]

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injustifiiable wrote:

OK where is this email for the exec office???? I want to email them about adding cash rewards to either my secured card or HSBC Household Bank card that's about to get converted....

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The HSBC cards can't PC until the transfer to Capital 1 is completed...  but if you click the green card in my sig, it will take you to the exec walkthrough thread.  You probably want to get that secured card graduated, for a start.

[whodatnation2]

The EO called me this morning and gave me a CLI TO 4000 from 750...I am very pleased

[bernhardtra]

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youngandcreditwrthy wrote:

I got it from $1300-$5000 after almost five years of no luv!!!!!  How about that!!

thanks Crapital One :-) hahha!;-)

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Wow, I know you wanted that!  From the last time I talked to you about it somewhere else I knew it.  Congrats.  I wonder what they will do when they see the $8,000 limit I got with Compass Bank?  I probably won't even try to get a CLI with them until later this year after all the hassle I went through to get the first one!  I think my strategy for them should be to either try every 6 months or once a year to get modest increases.  Then when the Discover IT card and Chase Freedom card has a good limit I will try for an increase that puts me into their Prime category.  I probably still won't use the card except for overseas expenses and a few minor purchases.  If they ever ask why I will simply tell them the other cards have better rewards.  After all, it is only wise to use better rewards cards!  However, getting a good limit from them is basically for me just trying to overcome their policies which were actually damaging to my score at one point.  (I really should thank Comenity for the limit that tipped the scales for me with that Marathon Visa card.  Too bad the rewards are not that nice and the interest rate is not the best.  Well it is actually the best normal APR I currently have, but that is not saying much!)

Once again congrats!

[youngandcreditwrthy]

Wow!!! Congrats everyone!! I should have asked for $15k like you strepthroat!!! I forget that requesting a new cl is like bargaining haha....

That's a huge limit... Really makes me want to apply for that Compass Clearpoints card Pre Approval I got in the mail although I don't need it haha

Good luck everyone!!:-)

[youngandcreditwrthy]

@bern....
Idk if you've done this, but a lot of times I will wait for new limits to report before I request any add'l cli from other banks! Having a $20k limit reporting def'ly has an almost def'ly positive impact ime on initial lines and increases...meaning many lenders will grant higher cls if they see you handlin say, an $8000 limit...but you should let it report first!!!!:-) When I got my first $3000-4000 limit card, my FICO jumped like 50 pts!!

[rudy0720]

Young, Did you list your account number sin the email to the executive office or just what you would like to try and obtain from C1?