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So, my Belk card has the annoying limit of $2900. I requested an increase of $100 ($3000 total) to fix this obviously egregious error they have made with my CL, and was declined. To be fair, my account is just about 3 months old. Could that be why it was declined?
On the flip side, I was doing the same thing with Discover to get rid of another oddly rounded CL, and they approved me for much more than expected. I really just wanted $800, so I backed it down a bit to make the final CL have 3 zeroes instead of 2.
Up next, probably in a few months as I like to spread these things out, is asking Amex for the princely increase of $600. Wish me luck lol.
I just went through that with Capital One. All I wanted was $600 so I could have my three zeros. Two months in a row, my request was declined due to too little spending. On my third request, they happily offered 3K, and I took $2,600.
@FinStar wrote:
Can you elaborate how SYNCB made such an "egregious error" with your CL? Seems like the approval is what counts, no?
That was mostly intended as a sort of joke. I feel like the SL is pretty generous for a store card. It just annoys me that it is $2900....I mean, c'mon, would it kill them to just go $3000? Heck, I'll take a CLD to $2000 if it rounds things out lol.
@Anonymous wrote:So, my Belk card has the annoying limit of $2900. I requested an increase of $100 ($3000 total) to fix this obviously egregious error they have made with my CL, and was declined. To be fair, my account is just about 3 months old. Could that be why it was declined?
Waiting a bit longer can only help your CLI chances, as deeper account history is always a good thing. You'll probably get something like a (say) $1500 CLI, bringing your account to $4400, then you can just call up and ask for a $400 CLD to $4000 if that suits you well.
@Anonymous wrote:
@FinStar wrote:
Can you elaborate how SYNCB made such an "egregious error" with your CL? Seems like the approval is what counts, no?That was mostly intended as a sort of joke. I feel like the SL is pretty generous for a store card. It just annoys me that it is $2900....I mean, c'mon, would it kill them to just go $3000? Heck, I'll take a CLD to $2000 if it rounds things out lol.
Laughing hurts your FICO score. Joking hurts it more! How did you not know that?