topic Re: Dell Financial Services don't do credit limit increases? in Credit Cards

Dell Financial Services don't do credit limit increases?

Anonymous — Tue, 23 Jun 2015 00:47:43 GMT

Hey all,

I've had a DFS account for over 2 years. Applied when I was first starting out my credit journey so they gave me a relatively low CL. Fast forward to today I have 3 AMEX cards, 2 CapitalOne and a few other store cards. Most of them are at $0 balance. I use my AMEX ED card for most everything and pay it down to $0 every month.

I was looking to purchase a new Dell UltraSharp that runs at about $1400 by my DFS limit is only 1000. I called them today to see if they would increase it and I was told that they actually don't do credit line increases. This is the first time I've heard of a credit card not offering CLIs. I called right as their business hours were ending, so I'm wondering if the representative I spoke with just didn't want to deal with me at the end of her shift.

Anyone that has DFS ever gotten a CLI for an existing account? Just wondering if I should bother calling back tomorrow and speak with someone else.

Thanks!

Re: Dell Financial Services don't do credit limit increases?

NRB525 — Tue, 23 Jun 2015 01:03:21 GMT

Apply for a new DFS account?

Re: Dell Financial Services don't do credit limit increases?

Anonymous — Tue, 23 Jun 2015 01:27:59 GMT

Did you ever get a DFS card? I never got a physical card and was wondering if you did.

Re: Dell Financial Services don't do credit limit increases?

Kenny — Tue, 23 Jun 2015 01:56:54 GMT

Can't you try to pay with your DFS account and just see if the charge will go through? It might go through and would give you a CLI.

Re: Dell Financial Services don't do credit limit increases?

Anonymous — Tue, 23 Jun 2015 02:02:48 GMT

I haven't tried just trying to pay for the order and seeing if an increase goes through. Although if it does, it'll show as 100% utilization for that card. I don't really feel like applying for a new DFS account as it's not really worth the pull. At this point I may just put the purchase on one of my AMEX cards and call it a day. I was just wondering if anyone has seen this before... seems kind of odd to not offer CLIs.

Re: Dell Financial Services don't do credit limit increases?

Anonymous — Tue, 23 Jun 2015 02:11:50 GMT

I don't recall ever getting a physical card.

Re: Dell Financial Services don't do credit limit increases?

Kenny — Tue, 23 Jun 2015 02:56:46 GMT

@Anonymous wrote:
I haven't tried just trying to pay for the order and seeing if an increase goes through. Although if it does, it'll show as 100% utilization for that card. I don't really feel like applying for a new DFS account as it's not really worth the pull. At this point I may just put the purchase on one of my AMEX cards and call it a day. I was just wondering if anyone has seen this before... seems kind of odd to not offer CLIs.

That's usually what I do just put it on a rewards card or a financing card depending on if I can PIF or have float it for a little while.

Re: Dell Financial Services don't do credit limit increases?

akabigo — Wed, 24 Jun 2015 16:35:53 GMT

A few years back I charged up to my limit with DFS and paid it off when the statement cut. A month later they bumped me from $1500 to $4000 without a request. It's been sitting there ever since. I just don't use it much so I may let it close. The point being that they do increase limits at their discretion, or at least for me they did at the time.

Re: Dell Financial Services don't do credit limit increases?

eddie84 — Wed, 24 Jun 2015 18:15:29 GMT

I remember contacting them a few months back regarding CLI and they said no (they don't give out CLI anymore but they used to). Also they did send a card to me but this was in 2002 when I first opened that account. I'm keeping mine since this is the second oldest account I have that's still reporting (the oldest is Amex in 2001).

Edit: Oh and I use it once a year to buy a 3DS game to kill time on the plane when I travel.

Re: Dell Financial Services don't do credit limit increases?

nursepower — Wed, 24 Jun 2015 18:07:28 GMT

My husband had to apply for an increase. Not sure if it was a hard pull, soft pull. or no pull but he had to answer questions and wait for an answer.

Re: Dell Financial Services don't do credit limit increases?

visorboy1974 — Wed, 24 Jun 2015 19:16:26 GMT

I received an auto-CLI back in 2011 from $1500-$3000, but nothing since. Closed it a couple years ago and it still reports as being open.

Re: Dell Financial Services don't do credit limit increases?

Anonymous — Wed, 04 May 2016 19:39:15 GMT

I got approved for a $1,500 limit April 2015 and bought a laptop for $1,400. I paid more than the minimum a week or two before the due date every month and ten months into my payments they doubled my limit automatically to $3,000 without asking.