Credit Cards

[hopeagain]

HI,

Congrats on you CLI. 

I have had my Sams card for 14 mo. It is a $500 limit. I use it alot & pay it off in full most of the time. After my first year I got a nice letter & a offer of a discover/sams card. I didn't take that offer.

After reading your post I went to my account online. I don't have a luv button!? There is a "credit increase" button. Is that what you all use? And, if I try it that way will they do an inquiry?

I'm just a little puzzled why they havent just increased my limit. My scores are decent.. 

Any tips?

1/08/09:

tu 769  eq  718  ex 808

[mjbfan79]

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hopeagain wrote:

HI,

Congrats on you CLI. 

I have had my Sams card for 14 mo. It is a $500 limit. I use it alot & pay it off in full most of the time. After my first year I got a nice letter & a offer of a discover/sams card. I didn't take that offer.

After reading your post I went to my account online. I don't have a luv button!? There is a "credit increase" button. Is that what you all use? And, if I try it that way will they do an inquiry?

I'm just a little puzzled why they havent just increased my limit. My scores are decent.. 

Any tips?

1/08/09:

tu 769  eq  718  ex 808

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Luv button is the nick name for Credit Limit Increase. With you scores i'm pretty sure if your hit the button you should get a healthy increase. You should also still qualify for the Sam's Discover if you don't have any baddies on your credit report.

[hopeagain]

Luv button is the nick name for Credit Limit Increase. With you scores i'm pretty sure if your hit the button you should get a healthy increase. You should also still qualify for the Sam's Discover if you don't have any baddies on your credit report.

Thanks you mjbfan.. 

I dont really want the discover as I had a charge off with them in 1998. Come to think of it I had one with Sams around the same time!  

It's such a hard road back..

"Freedom just another word for nothing left to lose"

[hopeagain]

UPDATE:

I went back & "hit the button" and doubled my limit to $1000! 

I love this fico site.. It's worth it's weight in gold!

Thanks all.

[HUMPTYZ]

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O while congrats do you shop allot at Sam's

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I do shop there a lot my mom works there but they also have good produce that my DW likes.

[mjbfan79]

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hopeagain wrote:

UPDATE:

I went back & "hit the button" and doubled my limit to $1000! 

I love this fico site.. It's worth it's weight in gold!

Thanks all.

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Congrats enjoy your new CL.

[oracles]

congrats, treat it well