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Credit Limit Increase

myjourney
Super Contributor

Re: Credit Limit Increase

Im sorry OP can't find the question room is spinning

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 21 of 60
09Lexie
Moderator Emerita

Re: Credit Limit Increase

Message 22 of 60
myjourney
Super Contributor

Re: Credit Limit Increase

Lmao twitch

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 23 of 60
gglam12
Established Member

Re: Credit Limit Increase

I know that opening a new credit card  will hurt my FICO in the short-run, but will raising my credit limit on an existing credit card have the same effect?

If I request the credit limit increase will the hard pull from BOA Hurt me? If so by how much.


Amex BCE 2K - BoA Cash Rewards 5K - Chase Freedom 3.5K - Chase Sapphire Preferred 5k -
Starting score: 643
Current score: 712 (11/22/13)
Goal score: 750+
Message 24 of 60
j_casteel
Valued Contributor

Re: Credit Limit Increase


@j_casteel wrote:

@09Lexie wrote:
What was Op's question?

who cares

 


i'm kidding...

 

OP wanted to know if getting CLI with HP will negatively effect his/her file i think.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 25 of 60
distantarray
Established Contributor

Re: Credit Limit Increase


@gglam12 wrote:

I know that opening a new credit card  will hurt my FICO in the short-run, but will raising my credit limit on an existing credit card have the same effect?

If I request the credit limit increase will the hard pull from BOA Hurt me? If so by how much.


don't bother getting a HP just app for another card, pick up a nice sign up bonus while your at it, and get a better card than Bank of America everything they have is subpar to almost anything Chase or Amex offers. Your scores look fine you should be able to get those instead.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 26 of 60
myjourney
Super Contributor

Re: Credit Limit Increase


@myjourney wrote:

 

OP any HP's will have an effect on your scores


 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 27 of 60
09Lexie
Moderator Emerita

Re: Credit Limit Increase

Message 28 of 60
j_casteel
Valued Contributor

Re: Credit Limit Increase


@09Lexie wrote:
That's the question? My eyes are still twitching

i just ejected matter from the stomach through my mouth

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 29 of 60
gglam12
Established Member

Re: Credit Limit Increase

I currently have a Capitol one rewards card at 10% and a BOA 1-2-3 rewards card at 10% also. I have no car payments or mortage payments. Will it affect my score if I apply for a new card? My avg account age is about 2 years.


Amex BCE 2K - BoA Cash Rewards 5K - Chase Freedom 3.5K - Chase Sapphire Preferred 5k -
Starting score: 643
Current score: 712 (11/22/13)
Goal score: 750+
Message 30 of 60
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