Afraid to ask for recon on initial CL

[Anonymous]

C1 Plat MC $500 since Jan 2014

I app'd these on 09/23/2014:

NASA $10k

BoA $1k

Chase $3.5k

Discover $1.2k

SM $1.3k

I'm afraid to ask for higher initial CLs b/c I don't want them to do another SP and freak out to see my 5 apps in one day and AA me back to the stone age.  What do you guys think?

[Burned2manybridgesB4]

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@Anonymous wrote:

C1 Plat MC $500 since Jan 2014

I app'd these on 09/23/2014:

NASA $10k

BoA $1k

Chase $3.5k

Discover $1.2k

SM $1.3k

I'm afraid to ask for higher initial CLs b/c I don't want them to do another SP and freak out to see my 5 apps in one day and AA me back to the stone age.  What do you guys think?

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I'm seeing HP's for increases, with these particular cards, and their ages. If you had a few midrange/high cards, then called the "low baller" for a CLI, the odds would be in your favor. Let's see who else can give you insight....

[Jlu]

If you use the recon lines for these creditors you'll get a recon that is based on the report they used to make the decision when you app'd.

[CreditCuriosity]

When I did a recon on initial credit line with Barcay's they did actually do another SP vs. the HP they did on the initial application.  Guessing to make sure I didn't apply for anymore credit since they passed out the initial limit.  That is my experience and obviosuly yours might vary.  I would of thought they would of used the original report, but that wasn't completly the case for me.

[Anonymous]

Do you think that I'm vulnerable to AA if I call asking for more initial CL & they see my app spree?

[Burned2manybridgesB4]

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@Anonymous wrote:

Do you think that I'm vulnerable to AA if I call asking for more initial CL & they see my app spree?

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Anything's possible...

I'd call them up, and ask. If they push a pull, then tell them no. Doesn't hurt to ask, but keep in mind that a lot of these frontline CSRs don't know the difference between a soft, and hard, along with the "we won't pull your credit," then they do.

[FinStar]

Exactly. OP, that's just the risk you'll need to evaluate.

[Kenny]

Capital One can grow quickly. I wouldn't be so concerned with what you've received on approval with them. That can change in 6 months. Even the type of card.