what should i do to get higher limits?

[chalupaman]

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

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Don't worry about that. You can still get cards over the $10k mark with that kind of income. It just takes time and as CreditFlunky said, there are ways to do it quicker. Lowes is a good one that you can just let sit there for a few months. My Sams Club card is also at $10k right now after about 6 months of having the card. Started out with $937, got it up to $8k and another $2k via the luv button.

You can either use chat for these cards or call Credit Solutions. From my experience, Credit Solutions actually does work pretty well for Lowes.

[Anonymous]

It really depends on your income versus the installment debt and revolving debt. And obviously past credit performance on your part. I always leave about 30 bucks or so to report then pay it off to show you are using your card. Capital one increased my CL from 500 to 3500 within a year without me asking for it.

[Anonymous]

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

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There's an actual online chat button you can use...Monday thru Friday during certain hours.  It's much better than the LUV button

[chalupaman]

I forgot to mention Macys. It's one of those dark horse cards that's really come through in terms of getting those kinds of big limits on now since they're gonna be merging all those lines together into one big one in July. I was able to more than compensate for my losses by asking for a $10k club and $10k furniture line all on a SP. So far, it hasn't reported at all and hopefully in a few months, that $21k tradeline will be reporting too.

[TURNERHOOVER]

Amex likes to use account too new for declines if your have a thin file. Those individuals who have success with 3x either have really high scores to begin with, all reports are clear of baddies and/or have thicker files. Sometimes a combination of all the above. 

[Anonymous]

my file isn't too thin, but i do have those late payments on my record. a 30 day late in october when my ex wife didn't pay on her vehicle that i was the primary on and two 60 day lates from 2012 sometime. idr the situation lol.

[Anonymous]

i have had over 30 accounts total