01-31-2013 08:19 PM
I just recently (last month) opened up a Chase United MileagePlus credit card account with a $5,500 limit...not too bad of a starting limit. I am using this card for most of my purchases (some slightly large). The bill just came in and the balance due was a little over $3,700 and I paid in full. I would like a little bit more breathing room with respect to the credit limit. So, I sent Chase a message through their online message system and a representative responded saying they need to do a credit check. Now, I know this is standard for Chase and that they do a hard inquiry every time a customer makes a request for additional credit.
My concerns are:
In addition, my FICO score at Equifax is in the 720s to 730s...maybe? I have never been late on any of my bills...ever. No negative or derogatory information. I appreciate everyone's input.