Credit Limit Increase Approval Tips
Author: lowloan
Posted: Mon Apr 10, 2006 6:13 pm
Post subject: Credit Increase
Hi,
I just got my 0% APR card from Chase. This is applicable for Balance Transfers until 15 months. Here is the question.
They have given me a lmit of $10K. Now I am feeling I need more limt on this like up to $25K. I just called the bank and cheked with agent if they can incares my credit limti to atleasr $25K.
She checked with the cerdit department and they said it is quite possible, but they still have to run my credit report again. I do nto wan tto do that since ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
Any one has any experice with chase.
I have a good crdit history and my FICO is around 749.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Mon Apr 10, 2006 6:19 pm
Post subject: Re: Credit Increase
lowloan wrote:
Hi,
I just got my 0% APR card from Chase. This is applicable for Balance Transfers until 15 months. Here is the question.
They have given me a lmit of $10K. Now I am feeling I need more limt on this like up to $25K. I just called the bank and cheked with agent if they can incares my credit limti to atleasr $25K.
She checked with the cerdit department and they said it is quite possible, but they still have to run my credit report again. I do nto wan tto do that since ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
Any one has any experice with chase.
I have a good crdit history and my FICO is around 749.
$10,000 to $25,000 is pushing it
My CHASE UNITED VISA is my lowest credit limit at $10,000
Author: lowloan
Posted: Mon Apr 10, 2006 6:39 pm
Post subject:
The agent I spoke to cheked with the Credit department and hey said there isa good possibility that I get approved
What are the draw backs if I get denied. Will it affect my FICO score
Author: Polonius
Posted: Mon Apr 10, 2006 7:40 pm
Post subject:
Quote:
ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
$25k will help you but $20K won't? That doesn't make sense to me.
An inquiry will lower your score a bit whether you're approved for an increase or not. An increase will raise your score, all other things being equal.
Author: lowloan
Posted: Mon Apr 10, 2006 7:47 pm
Post subject:
Well I am trying to pay oen of loan and if they give me 20 K, i will short of 4 k that is one of the reasons.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Apr 10, 2006 6:13 pm
Post subject: Credit Increase
Hi,
I just got my 0% APR card from Chase. This is applicable for Balance Transfers until 15 months. Here is the question.
They have given me a lmit of $10K. Now I am feeling I need more limt on this like up to $25K. I just called the bank and cheked with agent if they can incares my credit limti to atleasr $25K.
She checked with the cerdit department and they said it is quite possible, but they still have to run my credit report again. I do nto wan tto do that since ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
Any one has any experice with chase.
I have a good crdit history and my FICO is around 749.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Mon Apr 10, 2006 6:19 pm
Post subject: Re: Credit Increase
lowloan wrote:
Hi,
I just got my 0% APR card from Chase. This is applicable for Balance Transfers until 15 months. Here is the question.
They have given me a lmit of $10K. Now I am feeling I need more limt on this like up to $25K. I just called the bank and cheked with agent if they can incares my credit limti to atleasr $25K.
She checked with the cerdit department and they said it is quite possible, but they still have to run my credit report again. I do nto wan tto do that since ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
Any one has any experice with chase.
I have a good crdit history and my FICO is around 749.
$10,000 to $25,000 is pushing it
My CHASE UNITED VISA is my lowest credit limit at $10,000
Author: lowloan
Posted: Mon Apr 10, 2006 6:39 pm
Post subject:
The agent I spoke to cheked with the Credit department and hey said there isa good possibility that I get approved
What are the draw backs if I get denied. Will it affect my FICO score
Author: Polonius
Posted: Mon Apr 10, 2006 7:40 pm
Post subject:
Quote:
ther is a small possiblity that they will come back and say We will give you $20K which will not help me.
$25k will help you but $20K won't? That doesn't make sense to me.
An inquiry will lower your score a bit whether you're approved for an increase or not. An increase will raise your score, all other things being equal.
Author: lowloan
Posted: Mon Apr 10, 2006 7:47 pm
Post subject:
Well I am trying to pay oen of loan and if they give me 20 K, i will short of 4 k that is one of the reasons.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 9:04 PM
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