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Maybe they have some awful notes in your account saying not to give you one for whatever reason. I would call and ask if there is some sort of problem why you can't get an increase. Especially this time of the year on a store card. I know GEMB is stingy, but usually after some use and payment history, they will give a small amount. And I would also tell them you would use it more, but with such a small limit, you can't.
@elaine829 wrote:
I had my jcpenney card for 4 mths. i applied for the card at the end of august. my credit limit was 600 dollars. I called for a credit increase on dec 20 and they increased me to 1800. What a shock! even the person i was talking to was happy for me. She says that she doesnt get many people that get credit increases. I PIF all three mths. So i guess that help me get a bigger increase.
how much are you spending every month?
I think I would buy a pack of socks, tube of lipstick or something small and PIF each month like she suggested. I wouldn't spend that much if they aren't going to give me more to shop with.
I have to do the same with my Wal-mart card. I will spend less than 20 and PIF. I do that for 4 months and push the button. I always get it, but they make it difficult to build that line up. I think I should close and start over, but at this rate, there's really no point. Much better cards, terms and rewards. I'm just stubborn, that's all. And I hate looking at that pitiful CL. It will take me years to get it to a decent level, but will let it age a bit more since it isn't costing an AF.