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MF needs to start a brand new section entitled "high credit limits". This is the #1 question asked on this site. If the truth were known, I would think bank's algorhythms factor in what your current limits are. If you have 5 cards at $500 then you're probably not magically gonna get a $10k card outside of Navy.
Here's the answer to high limit credit cards. Apply for cards with SP CLIs. Preferably cards which give many CLIs. Work the CLIs on these cards until you get them between $10k and $20k, even if it's a Lowes card. Do not continue applying for cards if you have 2 or 3 at $500. Your high limits will only come after you have other high limit cards.
@Anonymous wrote:I would give it 3-6 months. Once you have established history with your large limit card, you should be able to get approved for larger limits than your other cards. NFCU is a gateway card for many of us. When my NFCU Plat went to $12,700, Disco bumped me to $12,700 a few months later. Now I have also gotten a $10K SavorOne and $10K CareCredit and with $18K income and a BK still on file... yep, don't think it would have happened if it wasn't for NFCU.
OP, I think you should follow this ^^^^^ advice. With the vergiage you got from Dell "up to" is a tale tale sign. Try to hold off.
@PerArduaAdAstra
Also, your utl would be very high on that acct. Ouch! All in all....you need to baby your profile for now. Get a shield or something to hide it from your clients
I'm glad you responded about current need. While there is some good general advice about holding off, it does not really address your need for a computer now. I think the best advice you received was put it on the Navy card. Navy does not credit limit decrease for spend. (That is actually an overblown concern in general. Mostly fueled by Synchrony and Comenity and who hand out credit like candy and also take it away like candy too 😮).
@Anonymous wrote:MF needs to start a brand new section entitled "high credit limits". This is the #1 question asked on this site. If the truth were known, I would think bank's algorhythms factor in what your current limits are. If you have 5 cards at $500 then you're probably not magically gonna get a $10k card outside of Navy.
Here's the answer to high limit credit cards. Apply for cards with SP CLIs. Preferably cards which give many CLIs. Work the CLIs on these cards until you get them between $10k and $20k, even if it's a Lowes card. Do not continue applying for cards if you have 2 or 3 at $500. Your high limits will only come after you have other high limit cards.
This is not the number 1 question asked on the site. In general forums are powered by people asking the same questions over and over. There is no harm in doing that. While boardly queations/answers look similar people ask questions in hopes someone can help them with their specific situation, even if there is a large pool of similar situations and answers that are probably good enough. So OP or anyone else; ask away.
@PerArduaAdAstra wrote:
I’m not totally afraid to use it, just carrying too much of a balance.
What's your utl. on this card?