Too late to ask for an instant limit increase?

Anonymous · ‎04-29-2015

Hello, just received 3 cards in the last 3 days-

Amex Hilton Honors $7,500 limit

IHG - $4,500 limit

Citi Simplicity $3,800 limit.

I have used the Amex and IHG cards roughly 4 times on the amex and once on the IHG, is it too late to ask for an instant increase on those cards? What should I ask for?

myjourney · ‎04-29-2015

Welcome to the forum

Never hurts to ask and ask for the amount you like

However 2 cards I see will require a HP upon your request YMMV

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎04-29-2015

Oh, I don't want a hard pull. Which cards would be a hard pull?

myjourney · ‎04-29-2015

@Anonymous wrote:
Oh, I don't want a hard pull. Which cards would be a hard pull?

Chase HP

Citi can go either way since your a new account probably HP

Amex is a SP

YMMV as always

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

takeshi74 · ‎04-30-2015

@Anonymous wrote:
What should I ask for?

We can't tell you that. Limits and CLI are based on whatever your credit and income qualify for. There's no magic number to ask for that applies to every single person.

Anonymous · ‎04-30-2015

For the Citi Simplicity it is a HP, thanks for the heads up. Did not go through with it. For Amex I did call and request an increase to $12,000 but was declined.