@Anonymous wrote:
you should get a good limit. but if not, it will cost you a hp now if you call in to adjust your limit. i called 4 times asking if i could do it without one and it was no no no no. i was told they just created a new rule a few days ago forbidding anyone from doing a free limit adjustment no matter how soon they call in. it's really lame.
What's another HP if you get a usable limit out of it? It depends on what your goal is as well. A couple of more points on the 2nd HP might outweigh being stuck at a limit that won't work w/o more management of UTIL.
----- also, the scoring models will consolidate the HP's but, the HP count goes up as a result of the 2nd pull
Policies change all the time depending on who you get on the phone. Also, your profile plays into whether they see a flag on an account. When I called in he could clearly see I PIF all of the time and rattled off a couple of other compliments on handling things and such.
With Citi I took the 2nd HP because the true limit wasn't revealed until after asking for more after the approval. Both instances of new cards performed the same way yielding an addition 5K/ea. Now, trying to get Citi to do anything is like pulling teeth, at least with Barclay's they don't pull any punches and tell you what to expect right off the bat.
