@jmbfl wrote:smallfry -You are way too paranoid of AA from your lenders. I got a $10K CL from PenFed and Discover turned around and gave me $8.1K more. If you tend your accounts properly you have nothing to fear. In all seriousness I am starting to get a little tired of the Chicken Little "The sky is falling routine". It's going to be the same old same old. If you are in the bottom 20% you are going to get shafted. (But then again you already were - they'll just find a few more ways to do it.) If your in the top 80% the issuers may actually become MORE GENEROUS! Please remember that these business entities have income to be made and they have to make it somewhere. If they go willy nilly AA'ing everybody they won't have anybody left to make them money.I'm not worried!
++1. I know we hear of exceptions and I'm sure they exist, but by and large, this is the case. They're target AA'ing accounts with specific characteristics. Never be afraid to go for a new line of credit...especially a generous one! I cranked up the apps recently, taking a few hard inqs for new checking/share accounts and a couple CCs, and since then, I'm still getting auto-CLIs from my other CCCs, and no AA from anyone...quite the opposite, actually. If you treat them right, they're gonna continue to give you some luv.
