Chat with rep. I tried to hold out for at least 30 seconds before accepting! Almost made it! 
2017-05-22 14:48:00 
Barbara I'd like to increase my credit limit to accommodate some upcoming services.
2017-05-22 14:48:08 
Alex Ford Hi, Thank you for contacting us today.
2017-05-22 14:48:21 Barbara Hi Alex
2017-05-22 14:48:27 Alex Ford Please do not worry I will be able the process the credit limit increase request.
2017-05-22 14:48:36 Barbara Thank you
2017-05-22 14:48:39 Alex Ford If Approved this will be effective immediately, If rejected you will receive a letter explaining the reason.
2017-05-22 14:48:50 Barbara okay
2017-05-22 14:49:13 Barbara I would like an increase to $20,000
2017-05-22 14:49:42 Alex Ford To complete this transaction I am going to need your annual income from all sources. Alimony, child support or separate maintenance income need not be included unless relied upon for credit.
2017-05-22 14:50:04 Barbara $xxx annually
2017-05-22 14:51:38 Alex Ford Thank you.
2017-05-22 14:51:46 Alex Ford May I take 2-3 minutes while I process your request please?
2017-05-22 14:53:30 Alex Ford I am sorry, I tried my best to increase it up to $20,000 .
2017-05-22 14:53:33 Alex Ford However system approved for a partial amount as of now the credit limit is $15000.00 and the available credit is $14400.00.
2017-05-22 14:53:43 Alex Ford Do you want to process this request?
2017-05-22 14:54:07 Barbara Yes, go ahead and process it.
2017-05-22 14:54:22 Alex Ford I have successfully processed the request.
2017-05-22 14:54:37 Barbara Thanks!
2017-05-22 14:54:38 Alex Ford As of now the credit limit is $15000.00 and available credit is $14400.00.
2017-05-22 14:54:45 Alex Ford This is effective immediately.
Wow, superb increase. You get you chat on like its never been chatted
@AverageJoesCredit wrote:
Wow, superb increase. You get you chat on like its never been chatted
Awww shucks! Thanks!
Thanks! Just happen to see it in green at the very top of the screen. Hang out in your account for awhile...it may pop up. Maybe they like us to linger.
@Aduke1122 wrote:
Great that is awesome Op congrats, how did you chat bc when I sign in I never see a chat button anywhere ?
@Aduke1122 wrote:
Great that is awesome Op congrats, how did you chat bc when I sign in I never see a chat button anywhere ?
Be sure to scroll all the way to the top. I noticed you can't see it when you are scrolling down and viewing your account. It's all the way to the top!
@Aduke1122 wrote:
Thank you for the info and congrats again, also how long have you had this account?
Opened in March 2015 with $5K sl. Used it a lot. Always paid way more than minimum pymnt and always used 0% APR promos. Got an auto cli to $6k in Sep 2015, then another one in Nov 2016, bringing it to $7k. Had 34% uti on it at the time of 2nd auto cli, which brought uti down to 29%. Not sure for the first cli. Today was first time I ever asked for a cli.
Had about 9% uti before today's cli, now uti down to 4%. Thanks!
