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Im trying to get credit cards with larger limits $10,000 and above with no luck. My scores and income are good- Income over $200,000 per year verifiable -Experian 741 - 17 inquiries,Equifax 753- 6 inquiries ,Transunion 723- 6 inquiries. All these are Fico scores. The problem is that my credit limits are small on the credit cards that I have. And the new ones that Im applying for are the same. BOA $500.00 secured (have over 3 years) ,Bloomingdales $1,200 (have over 3 years), Bay Ridge Federal Credit Union $5,000 (have over 3 years),Cap One platinum mastercard $750.00 (have over 3 years), Discover it $1,000 (have 3 months), Citi Hilton $5,600 (have 3 months),Jc Penny $2,100 (have over 3 years), Macys $800.00 (have over 3 years), Paypal Mastercard $5,000 (have over 3 years), Capital One Venture One $3,000 ( just got approval today), American Express Platinum,Premier Rewards Gold & Green are charge cards with NPSL- ( have 3 months). I carry NO BALLANCES on any of my credit cards & Ive paid well over $6000 per month on my Amex's combined. I also have 2 car leases in my name $385.00 (have 6 months) $599.00 (have 2 months). What can I do to get some cards with higher limits??? Any and all advice and or comments would be appreciated. Thanks.....
@SnackTrader wrote:
GARDEN! http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-September-2013/td-p/2414661
Too much activity in a short time frame. Over time your creditors will learn to trust you with larger limits. You can request CLIs and see where it gets you. New cards very rarely give you a limit higher than what you have on other cards, so you need one of your existing cards higher. You're getting there, but slow and steady wins the race!
+1 time to age those INQ's, AAoA, scores you also have some cards that I wonder why they haven't grown in 3 years.
Any baddies?
BofA secured 3 yrs and no graduation?
Thanks Snacktrader thats what I figured give it some time
myjourney there is nothing negative on my credit no late pays, slow pays ,charge offs, judgments NOTHING........ The only card I was not able to get a CLI on was the Cap One platinum mastercard. Everytime I apply for an increase I get a letter stating that the card is not eligible for increases....
@naptime wrote:myjourney there is nothing negative on my credit no late pays, slow pays ,charge offs, judgments NOTHING........ The only card I was not able to get a CLI on was the Cap One platinum mastercard. Everytime I apply for an increase I get a letter stating that the card is not eligible for increases....
Have you tried the EO route and have you asked BofA to graduate the secured?
I havent asked BOA to upgrade the secured card. I figured to many Inq and to much new credit now. What does "EO" mean?
@naptime wrote:I havent asked BOA to upgrade the secured card. I figured to many Inq and to much new credit now. What does "EO" mean?
EO = executive office of CAP1
And I will be sending you the info shortly PM.....give it a couple of months to let scores rebound tho
myjourney Thanks