@Anonymous wrote:
have a capital one quiksilver mc. i will be going for a cli. i'm currently at 4000. should i use my quiksilver card primarily for the next two months until i hit the "luv" button to increase my chances of getting a cli greater than 2000. i would really like to go from 4000 to 10000 but i don't know if that's pushing it. some input would be great. thanks
As with any creditor it's not just about the one account itself. Your entire credit profile and your income are the major considerations in determining the limit and CLI's that you qualify for. If you want a bigger CLI then idenitify the issues with your credit profile and work on addressing them. Don't rely on usage, relationship, the passage of time, etc.
If you want feedback then you'll need to give us a better idea of what your profile looks like. However, even with all details we really can't guarantee whether or not $10K is pushing it for your profile. We can only provide our best guess. We don't have the underwriting details for any credit product out there. At best we can try to use aggregated anecdotal evidence but it's a flawed approach at best.
@Anonymous wrote:
Even If he has a good credit score and an income to support it?
Score is a consideration but it's not just about score.
Any creditor will compare score, credit profile and income against the product underwriting requirements. If they support it then, yes, a CLI will be granted. If not, then one will not be granted. It's about the underwriting requirements, not the individual's opinion of the individual's score and income.
