Requesting credit line increase

[Creditaddict]

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@Anonymous wrote:

I want to request CLI with GE Care Credit. Current limit is $1000 and the card will be 1 year old next month. No increase requests thus far.

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how long have you had the 2 Citi Cards... you should check each of them online, it will tell you when you click on CLI if your account will check for CLI without a credit check or if it will pull.... cancel if it says it will check credit... if it says it won't pull credit, go forward and request, it will give CLI off account history... 1 account may qualify and 1 may not, so check both.

[Creditaddict]

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@Ghoshida wrote:

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@Creditaddict wrote:

discover you can call every 90 days and ask about SP CLI they will tell you if they need HP and you can tell them no.

Amex, you should request 3x current CL at 61 days and then every 6 months.

chase is always HP

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Thanks, that's great to know. 

If I'm requesting a CLI, is it better to lower balances on that particular card (i.e. 30% or less) or wait so that all-over balances are lowered? Do banks differentiate that way between balances on their cards and other cards? 

Is that 30% a good threshold target utilization for decent success rates? (Because Chase will be a HP, I want to be kinda on the safe side before I call them).

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i start a new thread asking your specific questions so they can stay straight between op's questions.

[Anonymous]

the diamond preferred is almost 8 years old and AAdvantage is 25 months old.

[Creditaddict]

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@Anonymous wrote:

the diamond preferred is almost 8 years old and AAdvantage is 25 months old.

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go online and check now!

[Anonymous]

yes they gave me $600 increase on aadvantage card as SP. if i want to increase more they say they will be pulling credit report.

i just got increase on diamond preferred about a month ago. should i try again?

[Creditaddict]

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@Anonymous wrote:

yes they gave me $600 increase on aadvantage card as SP. if i want to increase more they say they will be pulling credit report.

i just got increase on diamond preferred about a month ago. should i try again?

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no, only every 6 months.

congrats!

[Anonymous]

certainly helps my debt ratio. is it worth a call to ge care credit for sp increase? do they ever budge from hard pull?

[Anonymous]

thanks to you, i have to change my signature again. what a hassle (sarcasm)

[Creditaddict]

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@Anonymous wrote:

certainly helps my debt ratio. is it worth a call to ge care credit for sp increase? do they ever budge from hard pull?

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some have reported the phone automated system was sp but it wasn't for my partner but since you have had it for a year and still at $1k and based on your other cards I think you could see THOUSANDS of a cli... like I said in my experience ask for $20k and the system will counter instantly via automated phone or with rep too.

[Anonymous]

did they give him a heads up either way?