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Hello all, I'm new. Thoughts on my situation?

New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

Great, thanks for your response!

 

The good news of the day:  my Macy's just went from $600 to $2500 (now I wish I had asked for more), and JCrew just went from $250 to $550.   I submitted an online request with Capital One, but I think I should follow up with a phone call.  Great suggestions.

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 21 of 33
New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

Lexie, Macy's was a SP.  I've had the card for almost three years and never asked for a CLI before. 

 

I will definitely check out your AMEX link.  I am new to AMEX and don't much about them yet.

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 22 of 33
Moderator Emerita

Re: Hello all, I'm new. Thoughts on my situation?

If you've had the cap 1 card for awhile and have been stuck at your CL, send an email to the EO. You can do a search here for the contact information and read others users posts.

Shoot high, ask for everything, CLI, APR reduction, AF waived and rewards added.
Message 23 of 33
Moderator Emerita

Re: Hello all, I'm new. Thoughts on my situation?

Feel free to ask questions. There is a wealth of knowledge and experience here and all are willing to help.
Message 24 of 33
New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

I appreciate it!

 

What is an EO?  I've had the Cap 1 card since 2004, so for going on ten years.  CL has always been $500.  To my recollection, I don't think I've ever made a CLI request.  I hope they offer me something (even though I don't keep this card in my wallet and don't really care for it).

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 25 of 33
New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

My mission continues: Express just went from $2530 to $2830.  I'm at a total loss to explain why the heck I never did this before.

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 26 of 33
Senior Contributor

Re: Hello all, I'm new. Thoughts on my situation?

EO = Executive Office.  Typically, the channel used in the event all other methods have failed.  Here's a link for the Capital One EO.

Message 27 of 33
Senior Contributor

Re: Hello all, I'm new. Thoughts on my situation?


catladyatty wrote:

My mission continues: Express just went from $2530 to $2830.  I'm at a total loss to explain why the heck I never did this before.


Well, seems like today was a "portfolio overhaul/evaluation review" day.  It's a positive step in enhancing your current profile, so as long as those CLIs do not translate into getting into more debt, then it can only help.

Message 28 of 33
New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

Perfect! I am going to follow up on that. 

 

Just went from $850 to $1150 on Ann Taylor.  $900 increase across three Comenity accounts today - $1300 if you include last week's $400 VS increase.  Throw in the $1900 increase from Macy's, and I've added $3200 in available credit through increases.  This'll help for sure.  So glad I joined this forum.

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 29 of 33
New Contributor

Re: Hello all, I'm new. Thoughts on my situation?

Retail cards don't have nearly as much temptation for me as regular credit cards (I tend to do my biggest spending at restaurants and on travel, so the retail cards can't help me there).  I am going to be very disciplined Cat Happy

Chase Sapphire Preferred $18,000 | Bank of America Cash Rewards Visa Signature $10,000 | Amex BCE $9000 | Chase Sapphire $7500 | Discover More Cash Rewards $7200 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $10,000 | Ashley Furniture $2000 | Macy's $2500 | Victoria's Secret $3650 | Express $2830 | New York & Company $2700 | Old Navy $1500 | Ann Taylor $1450 | JCrew $1150
Message 30 of 33