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I have thought about asking them for the increase yet I wanted to know how the cli's worked in general thats why I came here. So If I ask now will I get shot down because of the high utilization? Or is the consensus to pay down my balances and then have a greater chance of approval. I know 10,000 may seem realistic but 5,000 is what I really want so should I overstate the increase that I want that way If they counter I will still a nice limit. For example If i want 25,000 ask for 30,000 that way if they say no to 30,000 I can get a limit in between. Is that a good plan?
@lmhenry1 wrote:I have thought about asking them for the increase yet I wanted to know how the cli's worked in general thats why I came here. So If I ask now will I get shot down because of the high utilization? Or is the consensus to pay down my balances and then have a greater chance of approval. I know 10,000 may seem realistic but 5,000 is what I really want so should I overstate the increase that I want that way If they counter I will still a nice limit. For example If i want 25,000 ask for 30,000 that way if they say no to 30,000 I can get a limit in between. Is that a good plan?
Ask them for a increase of what u want no need to be greedy you want 5000 ask for 5000 even though your utilization is a bit high i honestly believe nfcu is your best option. best of luck and please keep us posted!