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Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

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apu6speed
Member

Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

I am 4 years 3 months discharged from my chapter 7 bk.  I have one charge off from 3 years ago that i cant get rid of, otherwise I have 3 perfectly paid credit cards, paid off completely and never missed a payment.  Can anyone reccomend any cards that have a higher limit.  I currently have 3 cap one cards all with $750 credit limits.

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5 REPLIES 5
MC9199
Valued Member

Re: Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

Do you know your TU score? I got a Barclays iTunes Visa with a $1500 limit 1.5 years after discharge. My TU score was 710 at the time. Barclays pulls TU. You can request (or they will automatically grant) increases every six months. CL is $6000 now.

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Message 2 of 6
Rikku
Regular Contributor

Re: Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

Can you ask Cap One for a CLI on the cards you already have? For my Cap One card, you can do so online - I think every six months.
Message 3 of 6
apu6speed
Member

Re: Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

I have not asked about my capital one cards.  Are they soft pulls ?  I dont want any hard inquries

Message 4 of 6
Rikku
Regular Contributor

Re: Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score

Mine was a soft pull, but it may vary from card to card. People on here were saying that it's tough to get a CLI from them, but I found it on my online account as an option.
Message 5 of 6
SunriseEarth
Moderator Emeritus

Re: Highest credit line CC's ? Im 4 years out of a C7 BK with a 655 score


@apu6speed wrote:

I am 4 years 3 months discharged from my chapter 7 bk.  I have one charge off from 3 years ago that i cant get rid of, otherwise I have 3 perfectly paid credit cards, paid off completely and never missed a payment.  Can anyone reccomend any cards that have a higher limit.  I currently have 3 cap one cards all with $750 credit limits.


You may want to look in the "Rebuilding" section for some ideas on how to handle a CO.

Cap One does SP CLIs.  There's a LUV button on their site (they don't make it easy to find).  If you don't have success with that, you may want to call their EO.  I managed to get a $250 CLI on my Cap One (was $400 before that)

 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
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