Need some advice

[Anonymous]

Not sure I am posting correctly but I am hoping I can get some advice... I have looked at a ton of threads but want to make sure I am thinking right.

I have four new approvals (cards not even in hand yet)

Cap One Quick Silver $3000

Discover IT $2500

USAA Visa $2000

Care Credit $2000

I don;t have a chance at Chase or Amex cards form what I have read... I would be blacklisted.

What I want to do is work on increasing the limits on the cards I just was approved for. I do want to avoid HP's.

For what I have read growing USAA will be slow.... typical increase after a year? I am a long term member, with checking, savings, home insurance through them. Would moving a direct deposit to them help at all... or any other hints of increasing this limit appreciated.

Cap One Quick Silver: Do I just wait for auto increases or hit luv button... How much should I run through and pay in full each month for a good chance at regular increases?

Discover IT: Same question as Cap One... how much should I run through and PIF each month for increases and do I just wait and hope for CLI or hit luv button... Also seems to be conflicting info out there is hitting luv button at Discover SP or HP?

Thanks in advance for any advice.

[Anonymous]

The increase limit link may appear in your USAA account after six months. It will be a hard pull. Try Cap One after your second full statement cuts, but only if it is at least two months after the card was opened. It will be a soft pull. Tap Discover 91 days from account opening. It will be a soft pull. I don't know a time frame for Care Credit, but it is always a hard pull.

[myjourney]

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@Anonymous wrote:

Not sure I am posting correctly but I am hoping I can get some advice... I have looked at a ton of threads but want to make sure I am thinking right.

I have four new approvals (cards not even in hand yet)

Cap One Quick Silver $3000 SP so can't hurt to try but most likely 3-4 months 

Discover IT $2500 SP same as above 

USAA Visa $2000 HP

Care Credit $2000 HP

I don;t have a chance at Chase or Amex cards form what I have read... I would be blacklisted.

What I want to do is work on increasing the limits on the cards I just was approved for. I do want to avoid HP's.

For what I have read growing USAA will be slow.... typical increase after a year? I am a long term member, with checking, savings, home insurance through them. Would moving a direct deposit to them help at all... or any other hints of increasing this limit appreciated.

Cap One Quick Silver: Do I just wait for auto increases or hit luv button... How much should I run through and pay in full each month for a good chance at regular increases?

Discover IT: Same question as Cap One... how much should I run through and PIF each month for increases and do I just wait and hope for CLI or hit luv button... Also seems to be conflicting info out there is hitting luv button at Discover SP or HP?

Thanks in advance for any advice.

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Welcome to the forum 

[Appleman]

USAA will auto increase but it can take quite awhile. I went from $15,000 to $21,000 and been sitting at $23,100 for some time. 

I am certainly happy with my limits but do sometimes wonder........ How high could I go?

[Appleman]

You had me curious about a CLI at USAA. They want a HP, just not worth to me at this point.

As far as having direct deposit, might help. But I am doubtful.

The biggest thing is to manage those cards well and don't charge up what you can't pay off.

Congrats on the cards, time to let them age.

[SouthJamaica]

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@Anonymous wrote:

Not sure I am posting correctly but I am hoping I can get some advice... I have looked at a ton of threads but want to make sure I am thinking right.

I have four new approvals (cards not even in hand yet)

Cap One Quick Silver $3000

Discover IT $2500

USAA Visa $2000

Care Credit $2000

I don;t have a chance at Chase or Amex cards form what I have read... I would be blacklisted.

What I want to do is work on increasing the limits on the cards I just was approved for. I do want to avoid HP's.

For what I have read growing USAA will be slow.... typical increase after a year? I am a long term member, with checking, savings, home insurance through them. Would moving a direct deposit to them help at all... or any other hints of increasing this limit appreciated.

Cap One Quick Silver: Do I just wait for auto increases or hit luv button... How much should I run through and pay in full each month for a good chance at regular increases?

Discover IT: Same question as Cap One... how much should I run through and PIF each month for increases and do I just wait and hope for CLI or hit luv button... Also seems to be conflicting info out there is hitting luv button at Discover SP or HP?

Thanks in advance for any advice.

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Care Credit you can call on activation and they're very good about giving increases then. Ask for a big number, they'll counter if it's too big. The problem: it's a hard pull.

Cap One QS they'll give you auto CLI's if you use the card & pay it down over & over again. If you don't get an auto CLI after 6 statement cuts pull the luv button, it's a SP.

Discover is soft pull, just hit luv button. Generally at 91 day intervals.