credit line increase

Anonymous · ‎01-09-2015

i have had my credit card for over a year and never a late payment. Is it to soon to ask for a credit line increase? What is the best way to request it

Creditaddict · ‎01-09-2015

@Anonymous wrote:
i have had my credit card for over a year and never a late payment. Is it to soon to ask for a credit line increase? What is the best way to request it

What card is it?

What is the limit?

do you have other cards?

Anonymous · ‎01-09-2015

@Anonymous wrote:
i have had my credit card for over a year and never a late payment. Is it to soon to ask for a credit line increase? What is the best way to request it

What Issuer?

Anonymous · ‎01-09-2015

sears by citi, $5350, yes cap one 1000 balance and home depot from citi 3000 balance

Anonymous · ‎01-09-2015

sears by citi

Creditaddict · ‎01-09-2015

@Anonymous wrote:
sears by citi

I would go online and request, I believe it will tell you if it will be a HP or not as you are submitting it... up to you at that point if you want to take the hp... IF you do take a HP, ask for a $25k limit... they will counter if they won't approve the whole thing!

that goes for Home Depot too!

Anonymous · ‎01-09-2015

seras issued by citi

Anonymous · ‎01-09-2015

sorry what is "hp" and can i apply for other cards at this time scores are all above 700 but my credit file is thin, as i just atarted getting credit

Anonymous · ‎01-09-2015

@Anonymous wrote:
sorry what is "hp" and can i apply for other cards at this time scores are all above 700 but my credit file is thin, as i just atarted getting credit

HP is hard pull. These have a small impact on credit score versus soft pulls which have no impact.

Anonymous · ‎01-09-2015

@Anonymous wrote:
sorry what is "hp" and can i apply for other cards at this time scores are all above 700 but my credit file is thin, as i just atarted getting credit

HP has been answered. I'm sure you're in good standing with your scores and the information you provided in the OP so you can probably get a decent increase and apply for a few cards. Might help if you could share more information and what cards you're interested in. Best of luck dude.