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Valued Member
Posts: 64
Registered: ‎11-01-2012
0

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
New Contributor
Posts: 61
Registered: ‎02-22-2013
0

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
Posts: 6,279
Registered: ‎08-16-2012
0

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
Posts: 27,207
Registered: ‎09-13-2012
0

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
Posts: 15,442
Registered: ‎04-09-2011
0

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.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 591
Registered: ‎05-05-2012
0

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
Posts: 32
Registered: ‎02-21-2013
0

Re: am i shooting too high?

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

Frequent Contributor
Posts: 355
Registered: ‎02-16-2013
0

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
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,486
Registered: ‎08-30-2011
0

Re: am i shooting too high?

[ Edited ]

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. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
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