BestBuy MasterCard Instant Approval...Recon on limit?

[cldavis04]

I just got an instant approval for BestBuy's MasterCard with a $300 limit.  It didn't initially give me a limit and I had to go check.  Also, it said that it was under review. 

I was wondering if anyone had any luck with calling to ask for a recon on a higher limit.  My potential purchase (and reason for applying for the card) is a more than this.

Thx in advance

[Anonymous]

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@cldavis04 wrote:

I just got an instant approval for BestBuy's MasterCard with a $300 limit.  It didn't initially give me a limit and I had to go check.  Also, it said that it was under review. 

I was wondering if anyone had any luck with calling to ask for a recon on a higher limit.  My potential purchase (and reason for applying for the card) is a more than this.

Thx in advance

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I have not had much luck reconing for higher limits with HSBC. I have had them offer to waive my AF if I threaten to cancel. 

[webhopper]

BB MasterCard is not really a card to get a high limit on, it's more for rebuilding. What are your current FICO scores?

[seattletravels]

No harm in trying but in my experience HSBC will only give CLI every 6 months.

[cldavis04]

Thanks everyone for the quick replies. 

webhopper: My current FICOs are EQ - 678 and TU - 717 as of today

[Anonymous]

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@webhopper wrote:
BB MasterCard is not really a card to get a high limit on, it's more for rebuilding. What are your current FICO scores?

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I started at $750 on mine in 3/2010, was increased to $1050 in 6 months (Auto CLI) then I requested a CLI last month and went to $1570. All of the increases where softs on EFX. 

[webhopper]

Try applying with chase for their freedom, or with discover for their more card. Your scores aren't bad, you could likely get a decent card since chase pulls TU first.

[Ron1]

You might get CLI when you tell me you might want to close your account. I did that three years ago. They gave me $250 CLI plus half of AF.

Ron.

[cldavis04]

Webhopper:

I went ahead and tried for the Discover More.  Got a review message and that I would get a response in 5 - 7 days.  It wasn't an instant approval, but wasn't an instant denial either.  I remembered when that used to be all that I received. 

[webhopper]

Discover is great, love their CSRs. I once chatted with one for an hour lol
If they deny you for inquiries, call them for a recon, tell them that you applied for those other cards before you really researched who you wanted to work with, and that you intend to use discover as your primary card if you are approved because they have such great customer service. I don't think you'll be denied, but if you are I would definitely recon!