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evening everyone, I have several credit cards through amex, chase and boa. The limits are
22k, 24k and 18k respectively. Util on them is less then 5%. I just got a raise at work and am wondering
if the additional income would make it easier for higher cl's? don't plan on using them to the fullest
extent, at this point its just for the added util padding. ai listed on past aps was 70k annually.
credit scores fico wise are 710-730 no derogs.
should i request cli's or just wait for auto cli-s. I tried with chase a few months back
but was told that I reached the internal limit at that point, same with boa. amex was
cli'd a few months back and i have heard of a 6 month limit between requests.
For AMEX you would have to wait. For the other two, it can't hurt to let them know your change in income, however it may or may not make a difference depending on their algorithm for determining such things and how big your raise was.
i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined
ok thank you. i also have a citi card stuck at 7k no budging from their too many inq line.
@juggalo9er wrote:i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined
LOL! Gotta love Cap One!
@Dw4250 wrote:
@juggalo9er wrote:i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined
LOL! Gotta love Cap One!
in their defense i have went from 500 up to 2000 in around 9 months
@Dw4250 wrote:
@juggalo9er wrote:i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined
LOL! Gotta love Cap One!
Would have been interesting to see the tax return here..lol
@juggalo9er wrote:i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined
strange. my new income is just shy of 130k yearly. I will hold off on any new cards or cli requests and try to get 6 mos under my belt.