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I got the card in late Sept. Didn't use it until Oct, bought some groceries let a sm bal report. November bought some groceries again let a sm bal report. Called for CLI for Black Friday and they said no. A week later, the first of December I got and auto increase. I called anyway and got another increase the same day. Started at $700 it's now at $1000. I didn't ask for more than that cause I thought well, I had only used it twice and for less than $100 each time.
Next time, I'm going to ask for more- all they can say is no.
I think all GE cards underwriting are the same, so in my experience with my Amazon card I use it heavy like every other month and of course during holiday season also make large payments. I had a blance of 750 with a 5K limit and was approved for a CLI to 10K. I think a lot of usage is good, I state that I shop at Amazon alot when I ask a CLI.
Gotta luv GE!!
what is your aaoa?
any baddies?
my reports are completely clean besides inq.
i had low util. (4%)
balance only reported 1 card 2 at max. (out of 9)
at the time i only used my card 2 times, first time i pif before statement (about 300 dollars)
i went from 800(opened july12') then 3k(early october) 5k(before black friday)
i never have had a satement generate before my cli. ive had 1 since july.
there was another thread that i got a number directly to an underwriter and not a csr. note* first time i called was through a csr second time was through and uw.
my american eagle card was denied first time and accepted from 400 to 700 and i used that one about 12times more then my walmart. (and pif)
so as always ymmv.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@eviLution wrote:
My aaoa is probably 2 months and no baddies at all. My Capital One is my oldest account at 7 months and Walmart being my newest account.
3 credit cards and 2 store cards.
i think in 4 months when your aaoa will be about 6 months will be a good time to ask for a cli. (point wise and aaoa wise)
you can use and pay what you like until a month before then. so when you ask for a cli to have only 9% or less reporting total.
so if you have 1k total in limits only let less then 100 dollars report on your cap one card.
at the time of requests my aaoa was about 7 months(oldest account was 2 years old though) i beleive in a couple days it will be aging past the 10.454545 mark according to my spreadsheet =)
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
They approved me for $800 and i ask for $2000 denied but give me $1200 limit.
I going to request 3.5k when my card hit 3 months which next weeks.
Sounds like a good plan Nicholayud. I got mine at 600, called for an increase to $2000 and got it in November.. In 2 months, I was thinking of trying for $5000
@Shogun wrote:Sounds like a good plan Nicholayud. I got mine at 600, called for an increase to $2000 and got it in November.. In 2 months, I was thinking of trying for $5000
go for it! its only a soft pull.
once i get my util back down next month ill be going for 10k!
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |