Increase's & New Cards

[Hinds1234]

Quick question.

I'm trying to gain some new cards that are worthy or get an increase on my limits, but for some reason I can't ever get an increase, and I recently applied for an Apple card and they denied me. On my Chase Journey App, they gave me 3 offers for 3 cards. But I'm very scared to even take that chance on them.

I recently just paid off a Credit One card that was in collections, so I'm thinking that could have been the reason for me not getting increases but I got those same cards even while it was on my report. 

As of now I have a BOA Card, Capital One Card, and also another Credit One card. 

What steps should I take to possibly attempt to get better cards or increase my limits. 

[AllZero]

Not knowing the exact details of your credit profile, you might want to address any other derogatory you have; delinquency, charge off, collection, etc. If they are updating monthly, it'll keep your scores suppressed.

The higher your scores the better odds you have for approval.

[CYBERSAM]

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@AllZero wrote:

Not knowing the exact details of your credit profile, you might want to address any other derogatory you have; delinquency, charge off, collection, etc. If they are updating monthly, it'll keep your scores suppressed.

The higher your scores the better odds you have for approval.

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+1

"The higher your scores the better odds you have for approval." 🙏

[Anonymous]

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@Hinds1234 wrote:

... What steps should I take to possibly attempt to get better cards or increase my limits. 

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1) Know your own credit profile: Fico scores, Util, DTI, income, AAoA, AoOA, Inq, __/24, derogs, etc.

2) Know WHICH lenders are compatible with WHAT profiles.

3) Play: Match Game

4) Share results -- including data points, especially them  -- with the community. 

Best wishes.

[Brian_Earl_Spilner]

It takes time. Almost all of the cards in my signature were got with my scores being 641 at the highest. It's also missing 4 additional cards and my limits haven't been updated in a long time. But, my AoOA is over 21 years and and my AAoA was over 8 years.

They were all approved with lower limits because I didn't listen to everyone. I chose to app to set a base and expected to grow them. What ended up happening is they haven't grown because I still have derogatories. Hopefully I'll start to see some growth and better approvals soon. Once all my derogs are taken care of.

[coldfusion]

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@Hinds1234 wrote:

Quick question.

I'm trying to gain some new cards that are worthy or get an increase on my limits, but for some reason I can't ever get an increase, and I recently applied for an Apple card and they denied me. On my Chase Journey App, they gave me 3 offers for 3 cards. But I'm very scared to even take that chance on them.

I recently just paid off a Credit One card that was in collections, so I'm thinking that could have been the reason for me not getting increases but I got those same cards even while it was on my report. 

As of now I have a BOA Card, Capital One Card, and also another Credit One card. 

What steps should I take to possibly attempt to get better cards or increase my limits. 

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Sit on your hands for 6 months and let that paid collection age out a bit and in the meantime work on cleaning up any other issues.   In 6 months reevaluate your current status. 

Ringing up a string of denials is counterproductive and  only exacerbates the problem because it's interpreted by issuers as possible desparation on your part.