Credit Card Center Advertiser Disclosure

Reply
New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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
New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

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.
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

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.
New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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
New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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
Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0 Kudos

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.

Senior Contributor
Posts: 11,485
Registered: ‎10-21-2012
0 Kudos

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

[ Edited ]

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.

New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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
New Contributor
Posts: 61
Registered: ‎11-23-2013
0 Kudos

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.