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GEMB MAXIMUM CREDIT LIMIT!!!!

Regular Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


OnTheRebound wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


YMMV


12,500 on my Lowes, I'll go for more in a few months and see what happens

Super Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?




Epic Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


I use to have $15,900. I believe I have seen the figure around $25k before but not for sure.

Super Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


I use to have $15,900. I believe I have seen the figure around $25k before but not for sure.


Are you a big spender there?




Epic Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


CS800 wrote:

Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


I use to have $15,900. I believe I have seen the figure around $25k before but not for sure.


Are you a big spender there?


Card opened in 2005 with $5k I believe and charged $3700 that day I think. after 6 months they gave auto CLI in the $9k range (original charge was on 12 months $0 and most months I paid nothing, until end and PIF before 0% ended) I think at that point it was auto CL to $12,400 if I remember correctly and then it sat unused, they sent letter saying had not shopped in a while please come in, here is a 10% but if you don't shop within next 3 months we will close the account. Went in and bought paper towels I think it was... when statement arrived it had note on statement saying congrats we are increasing the CL to the $15,900! I never asked for increases.

Regular Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!

Although not specifically directed towards me - for questions on usage...

 

As I said a few messages ago my Lowes is at $12,500 - DW has a Lowes at $10,000 - we have not tried for any CLI on her card for quite a while - We run $15,000 or so a year through the pair of them on 0% promos.

 

For Home Depot - DW has $20K limit and mine is $16,500 -  between the two cards we run $25-$30 through them each year -- again on 0% promos.

 

On all four cards we just keep "recycling" Promo balances - never paid a dime on interest. We also play Depot and Lowes off each other - it seems one will often have a 12-18 months promo going when the other doesn't. They will match the competitors Promo in store! Because of the Promos we generally have balances ranging from $2,000 - $10,000 on each card most all of the time.

 

So I guess for us that would be heavy spending on both Depot and Lowes - I don't know for sure, but I would imagine that has something to do with the limits we've ended up with. I hope some of that info is useful...

Super Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


I use to have $15,900. I believe I have seen the figure around $25k before but not for sure.


Are you a big spender there?


Card opened in 2005 with $5k I believe and charged $3700 that day I think. after 6 months they gave auto CLI in the $9k range (original charge was on 12 months $0 and most months I paid nothing, until end and PIF before 0% ended) I think at that point it was auto CL to $12,400 if I remember correctly and then it sat unused, they sent letter saying had not shopped in a while please come in, here is a 10% but if you don't shop within next 3 months we will close the account. Went in and bought paper towels I think it was... when statement arrived it had note on statement saying congrats we are increasing the CL to the $15,900! I never asked for increases.


Not bad at all. I use Lowes more around here but we have HD also. Who issues the HD card?




Established Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


CS800 wrote:

Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


I use to have $15,900. I believe I have seen the figure around $25k before but not for sure.


Are you a big spender there?


Card opened in 2005 with $5k I believe and charged $3700 that day I think. after 6 months they gave auto CLI in the $9k range (original charge was on 12 months $0 and most months I paid nothing, until end and PIF before 0% ended) I think at that point it was auto CL to $12,400 if I remember correctly and then it sat unused, they sent letter saying had not shopped in a while please come in, here is a 10% but if you don't shop within next 3 months we will close the account. Went in and bought paper towels I think it was... when statement arrived it had note on statement saying congrats we are increasing the CL to the $15,900! I never asked for increases.


Not bad at all. I use Lowes more around here but we have HD also. Who issues the HD card?


Citi

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Frequent Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!

I have more gemb card then I need..lol

PayPal MC 15k
Brooks MC. 10k
Walmart DC. 10k
Tjmaxx. MC. 4k

Also have more. but these are the visa, mc and discover.

Starting Score: 744
Current Score: 744
Goal Score: 800


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Contributor

Re: GEMB MAXIMUM CREDIT LIMIT!!!!


CS800 wrote:

Creditaddict wrote:

OnTheRebound wrote:

My wifes Lowes is maxed out at 10K. They will not increase it any more. I know. I tried twice. No go.


That would shock me if $10k is max... that doesn't come close to Home Depot!


Whats the max on Home Depot that you have heard?


My Home Depot is currently at 22k. We asked for that much when doing reno to take advantage of the 18 month no interest. 


Starting Score: 08/01/2009 584
Current Score: 08/01/2011 EQ 684 EX (Lender Pull) 702 TU 712
Goal Score: 780+


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