topic Re: Who's cut your line and who's increased it? in Credit Cards

Who's cut your line and who's increased it?

Anonymous — Sat, 21 Mar 2020 21:50:25 GMT

For me citi, amex, synchrony, and capital one have cut the lines.

While Barclay gave me a $1000 increase on my aadvantage card(I've had it since the us airways days so that may help somewhat)

Us bank approved me for the cash+ with 5k limit. They also gave me another $1000 on the BMW MasterCard through their elan subsidiary.

Re: Who's cut your line and who's increased it?

Green456 — Sat, 21 Mar 2020 22:50:09 GMT

@Anonymous wrote:
For me citi, amex, synchrony, and capital one have cut the lines.

While Barclay gave me a $1000 increase on my aadvantage card(I've had it since the us airways days so that may help somewhat)

Us bank approved me for the cash+ with 5k limit. They also gave me another $1000 on the BMW MasterCard through their elan subsidiary.

Nobody cut or increased my lines. Although I could probably seek more credit for the hell of it if I wanted to.

BECU low rate visa $40,000

BofA Travel card $30,000

BofA Cash card $30,000

Chase Freedom $20,000

US Bank 365 $20,000

US Cash+ $7500

Citi DC $10,000*

Note, Im getting rid of Citi DC in 2 months.

Note 2: If any of the above decreases my credit I will terminate them out of spite. Wait 1 year then churn them.

Re: Who's cut your line and who's increased it?

Anonymous — Sat, 21 Mar 2020 22:10:21 GMT

No cuts so far and I actually got an increase recently of $2K on my Amazon Store Card.

Re: Who's cut your line and who's increased it?

Anonymous — Sat, 21 Mar 2020 22:15:22 GMT

Capital One gave me a minor decrease thus far.

I'm considering calling Wells Fargo for an increase, but fear it's a bit soon since I've opened it and they're super conservative. A lot of spend is going to get run through that card so long as they don't close down Boston though.

Re: Who's cut your line and who's increased it?

Peteyglad — Sat, 21 Mar 2020 22:25:20 GMT

No cuts, but I haven't asked for any increases either.

Re: Who's cut your line and who's increased it?

Anonymous — Sat, 21 Mar 2020 22:30:12 GMT

Within the last ~month:

Capital One gave me a $1000 CLI on my Walmart card- $7500 to $8500.

Discover gave me a $1500 CLI on card#2- $12100 to $13600. carrying a $2500 0% transfer with large monthly payments. They seem to be okay with that.

Citi declined a CLI on my Rewards+ saying, "At this time, we're unable to approve this request because you currently have the maximum amount of credit we allow without your consent to review your latest credit report." I'm not entirely suprised or disappointed given that the initial limit was generous.

Amex declined a CLI on my new Honors Hilton card. No big worries there. I've adjusted limits on my three Amex cards to be around $5k- 7k each, hopefully under CLD range. One is largely dormant and the other two are PIF so not likely to spook Amex.

No cuts, even to my $20k SavorOne card that's barely been touched since December.

_______________________

meta note here- I think it would be in the interests of the community to encourage more information on CLD posts. There have been a couple here just in the last few days with minimal info. I think it's important at any time, but vital in the current situation, for there to be info. Otherwise it unnecessarily increases stress and fear in others.

Re: Who's cut your line and who's increased it?

blindambition — Sat, 21 Mar 2020 22:33:09 GMT

No cuts and no CLI. Have a new Saver One from Jan carrying 1.5k on $8k limit. Statement closing today,and finally reporting. *fingers crossed*
All Chase at 0... Giving them no reason!!

Re: Who's cut your line and who's increased it?

Caught750 — Sat, 21 Mar 2020 22:53:13 GMT

No cuts at all.

Chase, Citi, AmEx, US Bank, NFCU all holding steady! My DC has a 1.99% promo APR and Premier is on a 0% Promo. BBP is still on a 0% intro APR as is my More Rewards.

Re: Who's cut your line and who's increased it?

Gmood1 — Sat, 21 Mar 2020 22:53:15 GMT

No CL decreases yet this year. US bank gave a SP unsolicited $5k CLI a couple of weeks ago.

Re: Who's cut your line and who's increased it?

Caught750 — Sat, 21 Mar 2020 22:54:58 GMT

@Gmood1 wrote:
No CL decreases yet this year. US bank gave a SP unsolicited $5k CLI a couple of weeks ago.

US Bank has been fantastic to me and we have a little side Biz so I may go that route in a few weeks. I've heard they're super simple on that front too.

Re: Who's cut your line and who's increased it?

chiefone4u — Sat, 21 Mar 2020 23:02:52 GMT

BECU granted a new credit card $17k 10.40%apr and an auto refinance at 3.74% (previous loan was 7.99%).

Synchrony gave me a $500 sp cli on the Amazon card. Was also granted a $5,500 limit on a business Net 55 account with Amazon.

Comenity granted a sp CLI on Playstation visa of $800 -- increase was 4 months 10 days after last increase.

As of now, no one has CLD me -- but no other lenders have granted CLI's or new accounts either.

Re: Who's cut your line and who's increased it?

Gmood1 — Sat, 21 Mar 2020 23:06:56 GMT

@Caught750 wrote:
@Gmood1 wrote:
No CL decreases yet this year. US bank gave a SP unsolicited $5k CLI a couple of weeks ago.

US Bank has been fantastic to me and we have a little side Biz so I may go that route in a few weeks. I've heard they're super simple on that front too.

@Caught750

Yes, they are easy to deal with Biz wise.

The only lender I can think of that's easier is Amex IME.

Zero hoops to jump through with either of them.

I have their Cash rewards Biz, Select Reward Biz and Flex Perks biz cards.

Along with the Cash+.

Re: Who's cut your line and who's increased it?

FireMedic1 — Sat, 21 Mar 2020 23:11:50 GMT

@Green456 wrote:
@Anonymous wrote:
For me citi, amex, synchrony, and capital one have cut the lines.

While Barclay gave me a $1000 increase on my aadvantage card(I've had it since the us airways days so that may help somewhat)

Us bank approved me for the cash+ with 5k limit. They also gave me another $1000 on the BMW MasterCard through their elan subsidiary.
Nobody cut or increased my lines. Although I could probably seek more credit for the hell of it if I wanted to.

BECU low rate visa $40,000
BofA Travel card $30,000
BofA Cash card $30,000
Chase Freedom $20,000
US Bank 365 $20,000
US Cash+ $7500
Citi DC $10,000*

Note, Im getting rid of Citi DC in 2 months.

Note 2: If any of the above decreases my credit I will terminate them out of spite. Wait 1 year then churn them.

Close them because they lowered your CL? Seriously? Out of spite? Having a card is like a drivers license. Its a privilage, not a right.

Re: Who's cut your line and who's increased it?

GApeachy — Sat, 21 Mar 2020 23:18:53 GMT

I got an email stating a biz bank needed to pull funds from my loc and others unutilized lines to reallocate funds to clients in need. More power to them....I take this not as an insult but a result.

Re: Who's cut your line and who's increased it?

Ficoproblems247 — Sat, 21 Mar 2020 23:26:17 GMT

No CLDs for me, but I honestly only have 1 card with a limit possibly worth slashing, the rest of them are all under the radar, probably. Got my first 3X CLI from AMEX a couple weeks ago 5 months after account opening. Received my usual monthly CLI denials last week from Disco and Citi. All is still normal in my little world of credit so far, but believe me I've been watching those limits like a hawk. Good luck to all of you in keeping everything intact.

Re: Who's cut your line and who's increased it?

Caught750 — Sat, 21 Mar 2020 23:32:51 GMT

@Gmood1 wrote:
@Caught750 wrote:
@Gmood1 wrote:
No CL decreases yet this year. US bank gave a SP unsolicited $5k CLI a couple of weeks ago.

US Bank has been fantastic to me and we have a little side Biz so I may go that route in a few weeks. I've heard they're super simple on that front too.

@Caught750
Yes, they are easy to deal with Biz wise.
The only lender I can think of that's easier is Amex IME.
Zero hoops to jump through with either of them.
I have their Cash rewards Biz, Select Reward Biz and Flex Perks biz cards.
Along with the Cash+.

Goood, are they similar in that they don't care about personal use of biz cards or keep it to Biz expenses?

Re: Who's cut your line and who's increased it?

M_Smart007 — Sat, 21 Mar 2020 23:33:37 GMT

Several CLI's

So far NO CLD's

Re: Who's cut your line and who's increased it?

GApeachy — Sat, 21 Mar 2020 23:35:43 GMT

@M_Smart007 wrote:
Several CLI's

So far NO CLD's

Don't forget the toes!

Re: Who's cut your line and who's increased it?

Anonymous — Sat, 21 Mar 2020 23:51:27 GMT

A good thing about amex, I to see if they would reinstate the line and they did reinstate almost all of it so im happy with that. I didn't have to ask twice. Citi told me to pound sand but I'm not a big citi fan anyways so no loss there (for me at least)

Re: Who's cut your line and who's increased it?

M_Smart007 — Sat, 21 Mar 2020 23:51:38 GMT

@GApeachy wrote:
@M_Smart007 wrote:
Several CLI's

So far NO CLD's

Don't forget the toes!