topic Re: CSP increase too soon?? in Credit Cards

CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 06:38:00 GMT

Lately, i've just been stuck on trying to increase my limits.lol. I just got my CSP about a week ago. Approved for 5k. How long should I wait till I ask for a CLI (SP of course)? I want to have a CC thats AT THE VERY LEAST, 7k. But i'm aiming for the 5 digits though.

Re: CSP increase too soon??

Anonymous — Wed, 13 Mar 2013 06:40:21 GMT

With Chase you're pretty much guaranteed a HP for a CLI.

Re: CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 06:41:59 GMT

they don't do automatic CLI or SP's??!!

Re: CSP increase too soon??

09Lexie — Wed, 13 Mar 2013 06:42:53 GMT

The title is cracking me up! Yes, it's too soon!

Shaking my head!

Re: CSP increase too soon??

Anonymous — Wed, 13 Mar 2013 06:44:57 GMT

@zeusta20 wrote:
they don't do automatic CLI or SP's??!!

Rarely...definitely don't expect one. My dad has a 10 year old Chase card PIF every month never had an auto CLI. Called in recently for CLI it was a HP.

Re: CSP increase too soon??

distantarray — Wed, 13 Mar 2013 06:46:08 GMT

don't even bother, just app for a new card take the bonus keep it for a year and reallocate the limit onto your csp.

Re: CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 06:53:48 GMT

@09Lexie wrote:
The title is cracking me up! Yes, it's too soon!

Shaking my head!

what?! Just saying! lol. I've been seeing all these posts about CLI's and i'm just like, alright, I need to get on with the program. I got an increase already through my Citi card, but I need more. I've pretty much contacted all my other credit card companies except for Chase and amex (Obviously since its a charge card).lol. WF said that they'd have to review it, and I should receive a letter in the mail with how much they were able to approve me for IF they approve me fore anything. I asked for 7k.

Re: CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 06:54:13 GMT

dammit! well, there goes my plan.

@Anonymous wrote:
@zeusta20 wrote:
they don't do automatic CLI or SP's??!!
Rarely...definitely don't expect one. My dad has a 10 year old Chase card PIF every month never had an auto CLI. Called in recently for CLI it was a HP.

Re: CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 06:54:59 GMT

@distantarray wrote:
don't even bother, just app for a new card take the bonus keep it for a year and reallocate the limit onto your csp.

hmmm, thats not a bad idea. I think I may do that. I'm in the garden though! I was looking for SP's!! lol.

Re: CSP increase too soon??

09Lexie — Wed, 13 Mar 2013 06:56:55 GMT

Yes, you are in the garden! Does WF Hp for CLI's?

Re: CSP increase too soon??

toppers555 — Wed, 13 Mar 2013 06:58:03 GMT

Someone needs to be popped on the hand. Yes it to soon, and from looks of your sig this is your highest limit card right now.

Re: CSP increase too soon??

09Lexie — Wed, 13 Mar 2013 06:59:47 GMT

I agree !
@ zeusta - why do you NEED a higher cl?

Re: CSP increase too soon??

zeusta20 — Wed, 13 Mar 2013 07:04:16 GMT

Because...want to have high CL's. I want to be able to have a 10k limit, 17k, etc. lol. I just feel like 5k is too little to me.

Re: CSP increase too soon??

PaperOrPlastic — Wed, 13 Mar 2013 07:10:15 GMT

@zeusta20 wrote:
Because...want to have high CL's. I want to be able to have a 10k limit, 17k, etc. lol. I just feel like 5k is too little to me.

Getting something because you want to have vs what you need especially with credit cards seems a quick way to ruin.

Re: CSP increase too soon??

myjourney — Wed, 13 Mar 2013 07:11:25 GMT

Lol

Re: CSP increase too soon??

Anonymous — Wed, 13 Mar 2013 07:18:04 GMT

@PaperOrPlastic wrote:
@zeusta20 wrote:
Because...want to have high CL's. I want to be able to have a 10k limit, 17k, etc. lol. I just feel like 5k is too little to me.
Getting something because you want to have vs what you need especially with credit cards seems a quick way to ruin.

+1. You have some nice CLs already and the NPSL in case you ever need it. Getting limits that high requires high income and very good credit which takes a long time to build.

Re: CSP increase too soon??

09Lexie — Wed, 13 Mar 2013 07:20:36 GMT

@zeusta - ok, so you don't 'need' it just want it. Haven't you heard the old saying, 'good things happen to those who wait' ?

Re: CSP increase too soon??

distantarray — Wed, 13 Mar 2013 07:22:31 GMT

@zeusta20 wrote:
Because...want to have high CL's. I want to be able to have a 10k limit, 17k, etc. lol. I just feel like 5k is too little to me.

find a way to sneak into navy federal then

Re: CSP increase too soon??

09Lexie — Wed, 13 Mar 2013 07:24:07 GMT

Don't encourage her...lol

Re: CSP increase too soon??

distantarray — Wed, 13 Mar 2013 07:28:33 GMT

@09Lexie wrote:
Don't encourage her...lol

lol selling pretend roommate option bidding starts at $1 ! hehe jk