Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012
Re: Need Credit Line Suggestions

nicholasyud wrote:

look...they offer my buddie and he simply call them and said.....look Lowes give me 6000 and give them some reason to give you a high limit........call the CSR or backdoor number list on the font page....i got my bump from 800 to 2000......if the first once deny ask to speak to their manager.........


That brings to mind another question. I see a lot of threads where people are really happy about credit limit increases even though some of them admit that they don't necessarily use the card in question for anything more than just some small purchases in order to get the payments reported on their credit. So are credit limit increases seen as better on your credit reports?

 

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
Re: Need Credit Line Suggestions

of course, i mean you should call them now before the card issue.......i told them i need to get some big TV and sofa at the store and i dont wanna max out the card......ask them for some specific amount you would like.....you can look at my other thread......about Walmart card....

And yes......use your card for something each months for transaction ........i mean nobody going to extend more credit to you if you wont used it ?

is it make sense ? keep reading on this forum im sure you would learn more......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
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Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012
Re: Need Credit Line Suggestions

Ok, thanks Nicolas!

Mega Contributor
Creditaddict
Posts: 16,884
Registered: ‎10-23-2007
Re: Need Credit Line Suggestions

If you got Lowes $6k and Walmart Discover for $600, you need to call Walmart Backdoor and ask for manual review of application for the Walmart Discover to be matched with Lowes of $6k.

That's crazy, I got $800 and didn't know think about Manual review CLI but I have just store card, I don't understand there computer system giving out Discover Card on lower limits! ugh

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Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
Re: Need Credit Line Suggestions
[ Edited ]

I hate to recommend capital one, but I think their cards under the average credit section would be a place to look for a new card. That is only if you feel you desperately need another card.

 

Otherwise I would suggest you wait and garden your current cards. That means do not apply for anything new and just tend to what you currently have by paying them in full each month.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012
Re: Need Credit Line Suggestions

Thanks Creditaddict and Dustink.

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
Re: Need Credit Line Suggestions

Kwao wrote:

Thanks Creditaddict and Dustink.


What are your plans? Are you seeking more credit, or building what you have?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012
Re: Need Credit Line Suggestions

When in doubt, call cap one lol

 

That's a very impressive start in the credit game. I don't know what to suggest though as you have virtually no aaoa XD but if anything, you must act before the new credit reports.

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012
Re: Need Credit Line Suggestions

Dustink wrote:

Kwao wrote:

Thanks Creditaddict and Dustink.


What are your plans? Are you seeking more credit, or building what you have?

 


Well, both really. All I had was just one credit line-my secured credit card that I started in February this year with 500 bucks. I thought it would be good to get a couple more lines of credit started too.

 

Established Member
Kwao
Posts: 21
Registered: ‎08-25-2012
Re: Need Credit Line Suggestions

CruzImperial wrote:

When in doubt, call cap one lol

 

That's a very impressive start in the credit game. I don't know what to suggest though as you have virtually no aaoa XD but if anything, you must act before the new credit reports.


Thanks for the suggestion!