I have never been asked why? I have been asked the CL I would like instead.
I would say that I foresee the need for larger purchases in the future.
Depends on the card. For a general purpose CC I usually do it around the holidays and use that as a reason. For a store card like Amazon or Lowes I'm constantly in need of a new TV or lawn mower, seems to work. Typically aren't asked for a reason though.
@Scott90 wrote:How do you guys answer this question, or what is the best answer to give?
I would simply state the obvious:
"... I never allow my spending to exceed 30% of my available limit, so having a higher credit limit will provide the flexibility I need to make the most efficient use of my account, making me less reliant on any competing company's product... and as a highly intelligent representative of your fine organization, you can surely recognize the value proposition in granting me a generous extension of my line of credit... oh, and by the way, you have such a sweet voice, I'll bet your company is very proud to have you on their team! ..."
How can they say no to that.
Usually good reasons are for vacation/holiday use or if the balance is low, that you want the balance to be comparable with your other trade lines...
Starting Score: TU 595 EX 600 EQ 585
