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Due for another Cap1 CLI. How much should I try for?

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masscredit
Valued Contributor

Due for another Cap1 CLI. How much should I try for?

It's been 6 months since the last CLI on one of my Cap1 cards.  So far the card has grown line this -

 

Started- 9/27/11 - $750. - 8/12 - $1500. 5/14/13 - $2500. (BD)
 
My other Cap1 was recently converted from Orchard - 
 
Started 9/2011 - $750. - 2012 - $950. Converted to Cap1. Called the EO # and asked them to match my other card's limit -  9/17/13 - $2500. 
 
At that time my highest Visa/MC limit was $3700. That card is now up to $5500. It will be reporting a balance of $850. when I call for an increase in a few weeks. Both Cap1 accounts will be at $0. (currently $1600. / $2300.) and my total utilization will be reported at about 5%. 
 
I'm wondering if $5k will be to much of a jump. I could ask for $5k and they could counter with a lower amount.  What do you think?
EQ - 676 / TU - 667 / EX - 679

Capital One Venture - $13000 / AAA Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Capital One Savor - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$75,750
DCU Auto Loan
Message 1 of 6
5 REPLIES 5
Creditaddict
Legendary Contributor

Re: Due for another Cap1 CLI. How much should I try for?

$5500
Message 2 of 6
negg
Frequent Contributor

Re: Due for another Cap1 CLI. How much should I try for?

I started at $300 June 11. I'm up to $1000, I asked for 1500. I'd ask for 5000/5500. And make it WMC too
CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $9800......Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 117K in credit and 812 fico and ZERO INQUIRIES......ZERO. 2018 goal. 825 fico.
Message 3 of 6
kimmiller112
Frequent Contributor

Re: Due for another Cap1 CLI. How much should I try for?

I'd ask for $6000.  They will counter offer if they don't want to go that high.  I went from $1500 to $5000 to $7000 to $8500.  All but the last time were the amounts I asked for and the last one was a counteroffer (asked for $10,000).

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 4 of 6
masscredit
Valued Contributor

Re: Due for another Cap1 CLI. How much should I try for?

Maybe I'll see if they can match my $5500. card. The answer is no if I don't ask so it doesn't hurt to try. 

EQ - 676 / TU - 667 / EX - 679

Capital One Venture - $13000 / AAA Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Capital One Savor - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$75,750
DCU Auto Loan
Message 5 of 6
djc1puno
Valued Contributor

Re: Due for another Cap1 CLI. How much should I try for?


@masscredit wrote:

Maybe I'll see if they can match my $5500. card. The answer is no if I don't ask so it doesn't hurt to try. 


sounds like a good number Smiley Happy gl! and keep us posted



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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