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Credit Limit Increase

Valued Contributor

Credit Limit Increase

I wonder if anyone here get credit limit increase every 6 months recenlty :

 

How much did they increase your limit after 6 months ??? Are they usually double your limit ??? im looking for double in 6 months and another double in 1 year mark.

 

My goal to get triple or maybe 4th time of my current limit. Is that possible ?? Please share your limit increase story.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 1 of 11
10 REPLIES
Senior Contributor

Re: Credit Limit Increase

This varies a lot by issuer.  Is there a specific card you are looking to increase?


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 2 of 11
Valued Contributor

Re: Credit Limit Increase

i have :

Amex           1k --> 3k then 9k

Discover     1.7k     3.4 then 6.8

USAA          4k         8k then 16k maybe im crazy lol

Walmart      1.2k       5k by the end of 2013

CApitalOne  2k         4k by next year

 

I looking to increase them in 6 months then 6 months after that. 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 11
Senior Contributor

Re: Credit Limit Increase


nicholasyud wrote:

i have :

Amex           1k --> 3k then 9k

Discover     1.7k     3.4 then 6.8

USAA          4k         8k then 16k maybe im crazy lol

Walmart      1.2k       5k by the end of 2013

CApitalOne  2k         4k by next year

 

I looking to increase them in 6 months then 6 months after that. 


CLIs are never a given. I've gotten a couple from Walmart. $300 last nov to $3500 this month. Usually not when I asked for them, though.

 

from what I've read, discover is a little harder on CLIs. I dont know that would work with them. Amex could work. It really depends largely on what they see when they soft you. Usaa gives high CLs, so that might work. Again, it's largely going to depend on your credit report... Low Util, no baddies, high AAoA, etc. 

 

cap one, I wouldn't hold my breath, but you never know. 

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 4 of 11
Established Contributor

Re: Credit Limit Increase

+1

Message 5 of 11
Valued Contributor

Re: Credit Limit Increase

Chase freedom started with 500, auto cli to 1k at 3 months and i asked for cli at 6 months to 3k.
Bofa amex started with 2k and at 6 months i asked for cli to 3.9k
Bofa total rewards was 1k and had been 6 months since last cli so i asked and got it to 2.5k.
Barclays apple was at 2.3k.had been 6 months since last cli so i asked and got it to 3960.

All this was this month. Next month my discover IT and citi forward turn 6 months old so i will be asking for a cli. I will also try again for my BCE because i was denied at 61 days and it will be 7 months by then
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 11
Valued Contributor

Re: Credit Limit Increase

did you get them all increase Jkz ???


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 7 of 11
Valued Contributor

Re: Credit Limit Increase

Yeah. All those this month because they turned 6 months old/older. Not counting NFCU cli last month and DCU cli couple days ago
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 11
Valued Contributor

Re: Credit Limit Increase

Oh i also got a auto cli on my kays card from 5.2k to 6.6k this month. It turned 10 months old this month.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 9 of 11
Valued Contributor

Re: Credit Limit Increase

Jsickz, nice going on the CLI on the Chase Freedom. I will try the same thing as you Smiley Wink
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 10 of 11