CLI and other questions

[js2787]

So my girlfriend starting building her credit about a year ago.

November of last year she did the following,

GTE cc $500 limit

Chase Freedom $500 limit

GTE car loan $24k

She has never missed a payment on anything listed above. She carried a high balance once on a billing cycle. Other than that she has ran the balance up a few times in the $4xx range and paid them off far before the due date.

With that said she wants to get a CLI on both cards. What should she ask for?  She would really like them to be at $2k + so she can pay all her bills on them and turn around and pay them off each month. 

[myjourney]

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@js2787 wrote:

So my girlfriend starting building her credit about a year ago.

November of last year she did the following,

GTE cc $500 limit Is this GE/SYNC? 

If so ask for a C:I every 4 months ask for 10K they'll counter offer 

Chase Freedom $500 limit

Ask every 6 months but this lender will cost you an HP for all client requested CLI's ....auto CLI's are SP's 

GTE car loan $24k

She has never missed a payment on anything listed above. She carried a high balance once on a billing cycle. Other than that she has ran the balance up a few times in the $4xx range and paid them off far before the due date.

With that said she wants to get a CLI on both cards. What should she ask for?  She would really like them to be at $2k + so she can pay all her bills on them and turn around and pay them off each month. 

Good luck 

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[js2787]

Sorry that was GTE Federal Credit Union.

Any advice on what I should ask Chase for? Or do they just set a new limit automatically after the hard pull?

[myjourney]

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@js2787 wrote:

Sorry that was GTE Federal Credit Union.

Any advice on what I should ask Chase for? Or do they just set a new limit automatically after the hard pull?

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Chase will ask how much you want ....Phone or online 

Most lenders and I can't speak for GTE but are every 6 months but since you're not sure if a HP will be required ask first but state you don't want the request to affect your credit score due to a HP unless your willing to take it anyway to increase the CL

Good luck and sorry for the late response