what should i do to get higher limits?

[Anonymous]

so, as you can see in my signature, my highest is $3,400 while my lowest is an adorable little $300 lol. my oldest account (which is my $500 credit union credit card) is 5 years and 11 months. my newest is my amex with $2,000 i got 03/13/15, and my AAoA is 3 years according to experian. i have only relieved an auto CLI on my kay jewelers card, which started out at $2,200 and is at $3,400 now.

so, if i am not getting auto increases and am being denied for customer initiated increases, what on earth should i do? it's annoying.

[Anonymous]

received** not relieved.

[Anonymous]

if i close my $300 one should that maybe help in that regard?

[Anonymous]

Some can be a real pitb when it comes to cli's.  Don't forget about Amex & their 3xcli after 61 days & again after 6 months.  I see some get them sooner but I'm waiting to ask at just the right time.  If you don't get anywhere with some, app for others.  Once you get a higher limit, others should follow.  If your scores are high enough, try for a Cap One Venture One or QS1.  Not sure how soon you can get an increase on NFCU.

[Anonymous]

None of those cards really give auto CLI from what I recall. The AMEX is a soft pull but you've only had it less than 60 days.

[Anonymous]

well i was denied my 3x CLI with amex due to the account being so new they said. kinda weird. and my score is about 671 or so and reporting 3% of total credit usage. i pay them off multiple times a month, but i let the freedom report my food balance lol

[Anonymous]

oh and nfcu wanted to do a hard pull so no thanks. 4 inquiries will fall off in July

[Anonymous]

Keep trying with Amex every 90 days.  Eventually they will see you're doing a good job.  I've had my Freedom almost 6 months.  So I'm waiting to see what they will do.  I had Cap One for 10yrs & they were kind of stingy with their cli's so I app'd for the Venture & got the 20k.  Made a world of difference.

[Anonymous]

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@Anonymous wrote:
What on earth should i do? it's annoying.

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You can cheat like I did:

1) Apply for a Lowes card (then chat and ask for  $25K)

2) Apply for Walmart or CareCredit or Sam's Club or whatever Synchrony (then chat and ask for $15K)

3) 3X your AMEX when you are able to 

4) Apply for Cap1 Venture

5) Take the hard on NFCU

Read:http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-NFCU-CLI-Guide/td-p/2101185

You also have to take in the reality of your income and your decent but not great credit scores to measure against your Limit expectations.

[Anonymous]

thanks for the tip. what do you mean by "chat"? like talk to the analyst? and my income is only like $30k lol.