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Established Member
Posts: 21
Registered: ‎08-25-2012
0

Re: Need Credit Line Suggestions


nicholasyud wrote:

look...they offer my buddie and he simply call them and said.....look Lowes give me 6000 and give them some reason to give you a high limit........call the CSR or backdoor number list on the font page....i got my bump from 800 to 2000......if the first once deny ask to speak to their manager.........


That brings to mind another question. I see a lot of threads where people are really happy about credit limit increases even though some of them admit that they don't necessarily use the card in question for anything more than just some small purchases in order to get the payments reported on their credit. So are credit limit increases seen as better on your credit reports?

 

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Need Credit Line Suggestions

of course, i mean you should call them now before the card issue.......i told them i need to get some big TV and sofa at the store and i dont wanna max out the card......ask them for some specific amount you would like.....you can look at my other thread......about Walmart card....

And yes......use your card for something each months for transaction ........i mean nobody going to extend more credit to you if you wont used it ?

is it make sense ? keep reading on this forum im sure you would learn more......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Member
Posts: 21
Registered: ‎08-25-2012
0

Re: Need Credit Line Suggestions

Ok, thanks Nicolas!

Epic Contributor
Posts: 24,184
Registered: ‎10-23-2007
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Re: Need Credit Line Suggestions

If you got Lowes $6k and Walmart Discover for $600, you need to call Walmart Backdoor and ask for manual review of application for the Walmart Discover to be matched with Lowes of $6k.

That's crazy, I got $800 and didn't know think about Manual review CLI but I have just store card, I don't understand there computer system giving out Discover Card on lower limits! ugh

Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: Need Credit Line Suggestions

[ Edited ]

I hate to recommend capital one, but I think their cards under the average credit section would be a place to look for a new card. That is only if you feel you desperately need another card.

 

Otherwise I would suggest you wait and garden your current cards. That means do not apply for anything new and just tend to what you currently have by paying them in full each month.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Member
Posts: 21
Registered: ‎08-25-2012
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Re: Need Credit Line Suggestions

Thanks Creditaddict and Dustink.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: Need Credit Line Suggestions


Kwao wrote:

Thanks Creditaddict and Dustink.


What are your plans? Are you seeking more credit, or building what you have?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Need Credit Line Suggestions

When in doubt, call cap one lol

 

That's a very impressive start in the credit game. I don't know what to suggest though as you have virtually no aaoa XD but if anything, you must act before the new credit reports.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Member
Posts: 21
Registered: ‎08-25-2012
0

Re: Need Credit Line Suggestions


Dustink wrote:

Kwao wrote:

Thanks Creditaddict and Dustink.


What are your plans? Are you seeking more credit, or building what you have?

 


Well, both really. All I had was just one credit line-my secured credit card that I started in February this year with 500 bucks. I thought it would be good to get a couple more lines of credit started too.

 

Established Member
Posts: 21
Registered: ‎08-25-2012
0

Re: Need Credit Line Suggestions


CruzImperial wrote:

When in doubt, call cap one lol

 

That's a very impressive start in the credit game. I don't know what to suggest though as you have virtually no aaoa XD but if anything, you must act before the new credit reports.


Thanks for the suggestion!

 

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