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Background... received $7500 care credit I’m july and a Marvel 1k limit.
current balances under 10%....Transunion 730, no negatives ever.
tried to do an increase for care credit last week online, said decline then got a letter in mail yesterday saying it was “incomplete”, called and manually got appproved for increase of 12k.
So this morning tried to increase via phone for Marvel but rep said decline we can’t increase.
Is is it odd that they would increase care credit but not Marvel?! It’s my lowest limit. Advice on how to increase Marvel?!
@AverageJoesCredit wrote:
Marvel can be hardest to move but with your 730 you are in prime territory for 8-12k. Use the card some and in 3 months call Credit Solutions and ask for 15k, they should counter if eligble.YMMV
So Joe, with a 785 - 790 what range would that put you with Marvel? They have been super stingy with me as well. And how sensitive are they to new accounts? And is Credit Solutions always better than the number on the back or online?
@CerebralZulu wrote:
@AverageJoesCredit wrote:
Marvel can be hardest to move but with your 730 you are in prime territory for 8-12k. Use the card some and in 3 months call Credit Solutions and ask for 15k, they should counter if eligble.YMMVSo Joe, with a 785 - 790 what range would that put you with Marvel? They have been super stingy with me as well. And how sensitive are they to new accounts? And is Credit Solutions always better than the number on the back or online?
With everything YMMV and profile specific, on score alone i would think someone with a good income could score a 25k limit on Marvel with that high of a score . But again, many factors come into play like overall exposure with Sync , how your overall profile looks etc. Ive been stuck at 12k with a fluctuating Tu Fico 723-742, ss of 7 Nov but my income is low, exposure high. I dont think they are too sensitive to new accounts but probably less is better. Credit Solutions , especially in regards to higher increases over 10k is always best route. They will verify your Tu Report which is why i say, especially this year with tightening up, your entire report should be up to par. That means take care of your other accounts and try not to have super high debt. When i had all my debt on 2 cards all others at zero im sure that still held me back in relation to my income.