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CC Options with higher limits...

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improvingmycredit
Valued Contributor

Re: CC Options with higher limits...

Hey KeithW!!! I am sorry to say that my advice would be to garden and really work on that credit score. Smiley Happy. You are still in the rebuilding phase and until you get into the middle 600s, getting a higher limit will be challenging. A CU might be an option but you'd have to really explain the issues holding your score back. Be patient- garden your cards and let time get you what you want. Do you have access to NFCU? If so- work on getting your score to at least 620 first. Smiley Happy. They might be able to help you with the limit you seek also.

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 11 of 13
KeithW
Frequent Contributor

Re: CC Options with higher limits...

No we don't have any NFCU within 100 miles it appears.

 

My only late payments were back in 2009 so hopefully those should become less important. I get anxious sometimes. Smiley Happy

 

On another note is Barclay pretty good about upping your credit limit when your score improves?

EQ671 TU673 EX662
Message 12 of 13
improvingmycredit
Valued Contributor

Re: CC Options with higher limits...

Absolutely!!! Barclays moved me up with a HP after managing the account only 4 months. They don't like to see apps for other accounts within 6 months of opening with them but they are typically good with CLIs. I think they are your best bet for a higher limit if you've been paying more then the minimums and have a low utility with all your accounts. I'd try them before anyone. Smiley Happy. Wait until after the 6 month mark then burn a HP for the increase with them. Smiley Happy

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 13 of 13
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