cancel
Showing results for 
Search instead for 
Did you mean: 

Do I dare???

tag
snowkitty
Established Contributor

Re: Do I dare???

Me too....I was breaking out in a sweat!!!
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 31 of 45
Creditaddict
Legendary Contributor

Re: Do I dare???

Why is everyone SO Nervous to ask for what you want... They are doing a SP and manually looking at your credit, you asking for $800 or for $5000 is not going to change them saying I won't give you anything... I want them to say Im sorry I can't do $5k, Do you think you would still do business with us if I do $3k? I don't want them to say $800, DONE!

 

Message 32 of 45
snowkitty
Established Contributor

Re: Do I dare???

I guess I get nervous because I am new to this and still feel alittle undeserving from being told no for so long. I didn't know if they would counter offer or not. I wanted to shoot for 1800 since ge opened my sams discover for that last weekend but I felt like they would shut me down altogether. I'm making progress though...there was a time I would have not called for a recon or cli Smiley Happy
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 33 of 45
calihlove75
Established Contributor

Re: Do I dare???


@Creditaddict wrote:

Why is everyone SO Nervous to ask for what you want... They are doing a SP and manually looking at your credit, you asking for $800 or for $5000 is not going to change them saying I won't give you anything... I want them to say Im sorry I can't do $5k, Do you think you would still do business with us if I do $3k? I don't want them to say $800, DONE!

 



I am just a nervous person! I would have been nervous whether I asked for an extra $100 or an extra $3000, so I just asked for what I wanted. Maybe I will work up the courage to call about my Amazon card next week. I hate the smaller limits..not because I need the extra credit but seeing limits that jump all over the place bug me. I am very OCD and prefer things more uniform. Capital One is really getting under my skin big time.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 34 of 45
Creditaddict
Legendary Contributor

Re: Do I dare???


@snowkitty wrote:
I guess I get nervous because I am new to this and still feel alittle undeserving from being told no for so long. I didn't know if they would counter offer or not. I wanted to shoot for 1800 since ge opened my sams discover for that last weekend but I felt like they would shut me down altogether. I'm making progress though...there was a time I would have not called for a recon or cli Smiley Happy

I would call back and be like I got a little up the other day but then I thought about it and I got approved much higher Sams Discover and I thought I might be able to use the promo at walmart with that card but I can't, i would like to be increased to at least the $1800 of that card and why can't I get the Walmart Discover if I got the Sams Discover?? Smiley Happy

i have not heard that they can convert and i wouldn't apply but I would at least get the match of 1800 if not beat it 2500~

Message 35 of 45
calihlove75
Established Contributor

Re: Do I dare???


@snowkitty wrote:
I guess I get nervous because I am new to this and still feel alittle undeserving from being told no for so long. I didn't know if they would counter offer or not. I wanted to shoot for 1800 since ge opened my sams discover for that last weekend but I felt like they would shut me down altogether. I'm making progress though...there was a time I would have not called for a recon or cli Smiley Happy

You are doing great. Any CLI on an existing account, especially one that does not require a hard pull, is a good thing. You could always call back at a later time.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 36 of 45
jsucool76
Super Contributor

Re: Do I dare???

Im about to call back and ask for some more Smiley Very Happy 

 

 

Edit: No go D: Sadface

Message 37 of 45
snsforever916
Regular Contributor

Re: Do I dare???

Wait four months and try again! Funny thing though I called for a CLI on my JCP card in September and got a no. I signed on to make a payment today and saw I was given a CLI of $200 on my JCP. Hey $200 is better than nothing especially since less than 3 weeks ago I got a no?

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 Smiley Surprised)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Message 38 of 45
snowkitty
Established Contributor

Re: Do I dare???

I will get bolder when I call next time....but I did call amazon and got that one bumped up to 1000 as well Smiley Happy
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 39 of 45
SarcasticComputer
Valued Member

Re: Do I dare???

I was able to get $1000 increase to $3000! Only took about 5 minutes! I just told them I wanted to use the special promotion and that I wanted to still be able to get the 15 cents off per gallon of gas. I've been using it heavily since they introduced the promotion. 

Message 40 of 45
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.