When you get a new card how long do you wait to request a credit limit increase

[sparklerd34]

Do companies do a hard put for CL increases and is the rule to wait 6 months to a year?

[ojefferyo]

it depends on the ccc

[Anonymous]

For my Bank of America Cash Rewards card, I pulled the plug and performed a hard inquiry after 5.5 months of it being opened. (Bank of America majority of times does soft hard pulls for cardholders for requesting credit limit increases). 

My Discover, I was told I have to wait three months and they will do a soft pull to see if I can get one. If they need more information or want a higher limit, a HP is required. 

AMEX has their 3x CLI after the 61st day. 

[sparklerd34]

Thanks!  I am rebuilding and new to this but everyone has provided some very helpful informaton.  I appreciate it.  I have one stupid question i see everyone with the colorful cards in their posts is that because you subscribe to the monitoring?   I have another service through experian from all three every month for 12.95 and was wondering which is really better.  They all seem to have different scores especially credit karma that is very different.    Which is better and more accurate?

[gdale6]

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@sparklerd34 wrote:

Thanks!  I am rebuilding and new to this but everyone has provided some very helpful informaton.  I appreciate it.  I have one stupid question i see everyone with the colorful cards in their posts is that because you subscribe to the monitoring?   I have another service through experian from all three every month for 12.95 and was wondering which is really better.  They all seem to have different scores especially credit karma that is very different.    Which is better and more accurate?

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The only score(s) that matter are ones developed by Fico they are pretty much the only ones used by lenders. Some may use the Vantage score but the rest of the scores are all considered FAKOs and should only be used as guide in general as no lender ever uses them in a decision to grant credit.

[mitchblue]

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@sparklerd34 wrote:

Thanks!  I am rebuilding and new to this but everyone has provided some very helpful informaton.  I appreciate it.  I have one stupid question i see everyone with the colorful cards in their posts is that because you subscribe to the monitoring?   I have another service through experian from all three every month for 12.95 and was wondering which is really better.  They all seem to have different scores especially credit karma that is very different.    Which is better and more accurate?

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The CC images below..just add them to your signature. If so inclined here's a good post to guide you how to add them.. http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td...

[Anonymous]

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@sparklerd34 wrote:

Do companies do a hard put for CL increases and is the rule to wait 6 months to a year?

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When I outgrow the limit, or decide the starting limit was too low.

In the case of Chase, I app for a second one and hope the amount is larger then split..

[woodyman100]

I wait about 2.4 Milliseconds