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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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*
Epic Contributor
Creditaddict
Posts: 20,814
Registered: ‎10-23-2007
0

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!

 

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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 :smileyhappy:
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*
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
0

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 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Epic Contributor
Creditaddict
Posts: 20,814
Registered: ‎10-23-2007
0

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 :smileyhappy:

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?? :smileyhappy:

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~

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
0

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 :smileyhappy:

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 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Senior Contributor
jsucool76
Posts: 3,563
Registered: ‎12-11-2011
0

Re: Do I dare???

[ Edited ]

Im about to call back and ask for some more :smileyvery-happy: 

 

 

Edit: No go D: Sadface

Regular Contributor
snsforever916
Posts: 144
Registered: ‎06-28-2012
0

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 :smileysurprised:)
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!!!



Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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 :smileyhappy:
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*
Valued Member
jeffj25
Posts: 28
Registered: ‎08-20-2012
0

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. 

Starting Score: TU - 684 EQ- 639
Current Score: TU- 701 EQ- 715 EX- 701 from AMEX
Goal Score: 750 across the board
In my Wallet: Chase Sapphire Preferred - 5K, Chase Freedom - 4.5K, 1FBUSA - 2.4K, Walmart Discover -3K, Blue Sky Amex - 2K, Citi CashReturns - 1.5K, American Express PRG and Zync - NPSL, Delta Skymiles Amex - 1K, Discover More - 1.5K,ValuCity Furniture - 3.5K, CareCredit - 2.3K, A and F - 1.2K, Capital one - 1.25K and $750.

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