@Anonymous wrote:
I probably should but I really hate talking on the phone. Go figure....guess I'm nervous about it.
They are not like any other credit card company, so there is really no need to be nerveous. They don't ask you why you need it, or you don't have to give them any explanation. I give them the account number, go thru verification questions, they ask how much i want, i tell them, they read the income disclosure and ask you your annual net income, and they say Do i have your permission to put you on hold for 2 to 3 minutes while i process your rquest 
they come back, and they yes or no or they counter offer you. usually takes less than 3/4 minutes. The only thing they may do different with you is, since you never called before, they can ask to send your cell phone a text message with a code, and you read the code back to them, that's it. So if that happens, that's a routine verification process. So don't freak out. Just call and ask high, they will counter you. Let us know how it goes. Good Luck!