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Like I said before, Chase narfed my limit once I paid off my balance -- i was paying it off, not charging more. they said it appeared as though I didnt NEED that high of a limit... but they didn't balance chase me down.. they just cut it once I paid it off.
I now firmly believe that a CC would not give you a limit if they didn't want you to use your credit. As long as you PIF, you should be golden.
@codimom wrote:Like I said before, Chase narfed my limit once I paid off my balance -- i was paying it off, not charging more. they said it appeared as though I didnt NEED that high of a limit... but they didn't balance chase me down.. they just cut it once I paid it off.
I now firmly believe that a CC would not give you a limit if they didn't want you to use your credit. As long as you PIF, you should be golden.
when my chase was always full before, they would send me a payment offer via mail allowing me to freeze the card and taking off 200 the balance for free. I said no.
I paid the card in full, and they me increase.
Worst thing that ever happened to me with a credit card was a Royal Caribbean Visa (BofA) that had a $3k limit. I used it to pay $2,975 for a cruise for the points. BofA took it upon themselves to decide I couldn't be trusted with a $3k limit and reduced it to $1500, then promptly closed it and sent it to collections,demanding the balance be paid in full because I was $1475 over the limit. I have 1 more year to go to wait them out and have it drop off my credit reports. They never could give me a straight answer on why my limit was decreased.
@ds3 wrote:Worst thing that ever happened to me with a credit card was a Royal Caribbean Visa (BofA) that had a $3k limit. I used it to pay $2,975 for a cruise for the points. BofA took it upon themselves to decide I couldn't be trusted with a $3k limit and reduced it to $1500, then promptly closed it and sent it to collections,demanding the balance be paid in full because I was $1475 over the limit. I have 1 more year to go to wait them out and have it drop off my credit reports. They never could give me a straight answer on why my limit was decreased.
If it happened as you said, that's not legal.
@vizon wrote:
@ds3 wrote:Worst thing that ever happened to me with a credit card was a Royal Caribbean Visa (BofA) that had a $3k limit. I used it to pay $2,975 for a cruise for the points. BofA took it upon themselves to decide I couldn't be trusted with a $3k limit and reduced it to $1500, then promptly closed it and sent it to collections,demanding the balance be paid in full because I was $1475 over the limit. I have 1 more year to go to wait them out and have it drop off my credit reports. They never could give me a straight answer on why my limit was decreased.
If it happened as you said, that's not legal.
Exactly what I was about to say!!
I tried explaining to them it was illegal...it's BofA, the kings of not caring about silly things like laws.