Firestone CFNA max limit?

[shane1978]

Last week I requested a credit limit increase for my Firestone card.  It is currently sitting at $4,500.  I was denied.  I asked the agent what their max limit is and he stated $8,000.  Got my denial letter in the mail and it stated I was denied because I have the max limit of $4,500 already.  Any thoughts on this? Does anyone have a higher limit than $4,500?

[Anonymous]

Maybe it meant $4500 is the max for your account... which could be held back by any constraint such as income or anything else profile-related?

[shane1978]

@Anonymous I did not think of that, thank you.

[tcbofade]

Hmmm.   Mine has been sitting at 3200 for quite a while.  DW is at 2800.

I have no idea what their max is...

[Anonymous]

I'm at $3200 as well. Also no clue what their max is.

Lol you're welcome for my unbelievably enlightening post 😜

[Anonymous]

---

@shane1978 wrote:

@Anonymous I did not think of that, thank you.

---

I don't know that to definitely be the case, but I may be.  Another thing to consider outside of your personal profile could be the element of time.  For example, I had an Amex card that I hit a ceiling on for my profile.  I say for my profile because I know of plenty of people on this forum with a higher limit on that card.  After that limit stayed where it was for a while I finally was able to get another CLI, pushing me over the ceiling or plateau that I was at prior.  My profile didn't strengthen at all over that time span (credit scores were identical, for example) my income didn't increase, nor were there any other reasons I could come up with other than letting time pass that I was able to get a CLI.

[Bradac56]

My wife's card is $5k exact.  I don't think that's ever changed and she would never request a CLI.

She's had it a long time we have them do all of our checkups and most of the little work on three cars via the store card.

[Just_Jesse]

I recently applied for a CLI also. Been at $3200 for over 9 years .  Had a large repair pending and was deciding between 0% 6 months with them or 15 months at 0% on another card. Since I am starting a large remodel project I chose to see if I could do a CLI ( I have never requested one online or via telphone agent with them in the past). Phone agent said Soft Pull so I gave OK to proceed, she put me on hold came back asked a few income and housing questions and placed me back on hold . Came back on and said denied . She wouldnt give any reason. I have had the card for 9 years 4 months , used the full credit limit more than once and always paid it off during promotional period. My FICO 8 range from 759-775 , bank card scores are all upper 740-770 .Total  Utl is 14%, Thick file 20+ years with AAoA 7.6 , substanially higher than avg income , DTI is sub 15% . The only thing I can MAYBE think of is I have  2 new cards opened in last 6 months 4 and 6 months ago both at 0% Utl . Cant wait to see the reason codes.