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am i shooting too high?

Valued Member

am i shooting too high?

My walmart discover card is due for increase very soon currently stands at 1k. I wana hit the luv button for 8k. I use heavy and PIF always. Is that too high to ask?
On my way! $FG
9 REPLIES
New Contributor

Re: am i shooting too high?

personally id go in the incriments they add on 1k to 8k is alot if you ask me and might make you seem desperate if you shoot for it before they ask.. not too sure just putting my ideas out to you.. =D

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013
Senior Contributor

Re: am i shooting too high?

If you hit the luv button online, it doesnt give you the option to request a specific amount ime. You'd have to do it over the phone or via a CSR.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator Emerita

Re: am i shooting too high?

Does your credit profile warrant the $8K?  Meaning are you close to having limits the high on other cards?  All they can do is say no, and counter with something else.  Can't hurt, its a soft pull anyway.

 

Good luck!

Mega Contributor

Re: am i shooting too high?

Try 4k. Call this # 1877 379 8173

They will review for CLI and you can tell them what amount.



EQ FICO 548 3/3/16
Established Contributor

Re: am i shooting too high?

I say go for it. If it's too high they might counter. Like they say worst they can say is no.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Member

Re: am i shooting too high?

i think it is too high.. cause u currently has 1000 and 8000 is 8X...

Frequent Contributor

Re: am i shooting too high?

3x seems to the lucky number.

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Valued Contributor

Re: am i shooting too high?

Call in for that amount, perhaps they will counter. My 4th statement just cut and I tried online for an increase but after the income screen it told me the account is not available for an increase online at this time.

I just got an auto increase of $200 last week. I will probably wait a month and try or call in.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor

Re: am i shooting too high?


coroc wrote:
My walmart discover card is due for increase very soon currently stands at 1k. I wana hit the luv button for 8k. I use heavy and PIF always. Is that too high to ask?

Probably, but depends on your total credit picture.  IF you've got the credentials to support a 8X increase, then gopherit!  They will most likely counter, as the others have stated.  Discover is fairly conservative, so don't be disappointed if you don't get that.  3X would be considered a fair increase. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!