@nuugatman wrote:
I just have a few questions. I asked for $6,000, but I wish I would have asked more more. How do credit line increases work with them? Do they have a luv button, or do you have to call? Do they give periodic auto increases?
Are you approved for the $6K? Does it say "Disbursed" on the app screen. If so, you can ask for more credit at any time. You will have to do the app on the computer. It is not exactly obvious what to to and here's my recommendation:
1) Phone call #1: Call a CSR and tell them how pleased you are to have gotten their CC and you were thinking about asking for a higher CL. Try to feel them out on what you have already been approved internally for. Say something like: "I was thinking maybe I should have applied for $10K. Do you think they would approve me for that much?" Point being when they evaluated your credit on the original app they approved you for an amount that is very likely higher than what you asked for. If what you want now in total is less than that this it will be easy.
Get off the phone. Think about it. Decide what you want. Call back on a later day.
2) Phone call #2: Get a CSR on the phone and have them walk through the app'ing process for a CLI. Like I said it is a little tricky. You will either get an instant answer through the computer or an answer in a few days. Always refer back to the app screen to check your app status.
The CSR's are nice and very helpful. Don't be afraid to call with any questions you have.
I used the process outlined above myself. I originally asked for and was granted a $5K Platinum Cash Rewards VISA and two weeks later asked to bump it to $10K. which was granted. I had reason to know when I asked for the $10K that I was already good for it. There were no CBR effects from my request other than the reporting of the additional CL.
You can do it, too! Let us know what happens.
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