Why Am I Not Getting a Credit Card Credit Limit Increase?
Author: AJ
Posted: Mon Mar 05, 2007 2:19 pm
Post subject: Shouldn't Good Credit People Be Rewarded?
Maybe that's a little harsh. I know it's the right thing to do, (meaning paying on time) but there are those who take advantage of credit and don't pay on time. I don't understand with the cost of living going up, why some banks are stingy when it comes to a CLI. Some banks will give you a lot, others some, and then there are those who will NOT accept a customers request like HSBC Direct Merchants & Barclays/Juniper and probably others I am not aware of.
Last edited by AJ on Mon Mar 05, 2007 4:58 pm; edited 1 time in total
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Author: mouse
Posted: Mon Mar 05, 2007 2:27 pm
Post subject: Re: Shouldn't paying On-Time / Good Credit People Be Reward
AJ wrote:
Maybe that's a little harsh. I know it's the right thing to do, (meaning paying on time) but there are those who take advantage of credit and don't pay on time. I don't understand with the cost of living going up, why some banks are stingy when it comes to a CLI. Some banks will give you a lot, others some, and then there are those who will NOT accept a customers request like HSBC Direct Merchants & Barclays/Juniper and probably others I am not aware of.
You talking about people like me????
11+ years no CLI with MBNA
Never even one day late
Never any bounced checks
I used the stuffing out of that card
ALWAYS PIF
CARRIED A BALANCE
USED IT FOR ONLY BT's FOR SOME YEARS
SOCKDRAWERED IT AT $0.00 FOR 6-12 MONTHS
No difference
No CLI
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira
Posted: Mon Mar 05, 2007 2:37 pm
Post subject:
Quote:
there are those who take advantage of credit and don't pay on time.
...and they pay for the privledge with hefty late fees, highest interest rates, closed accounts, bad credit ratings, extreme difficulties getting additional credit, etc. We of the "do everything right, pay on time, don't abuse your credit" pursuasion are rewarded by not having to pay these penalties. Depending on the individual card issuer there are often additional perks such as rebates, lower interest rates for short periods of time, etc.
I don't know what more you can ask, although I'm sure I'm about to learn.
AJ
Posted: Mon Mar 05, 2007 4:57 pm
Post subject:
Question 4 mouse; are you saying that old MBNA which is now Bank OF America has not changed your limit in 11 years? Have you not tried the CLI form on the website?
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 Mar 05, 2007 5:13 pm
Post subject:
AJ wrote:
Question 4 mouse; are you saying that old MBNA which is now Bank OF America has not changed your limit in 11 years? Have you not tried the CLI form on the website?
I finally got one....
After 11+ years from the ON-LINE deal
+$6,400
Asked for $7,000 more like 5 or 6 months later
Said 7-10 days
(THAT MEANS DENIED)
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 Mar 05, 2007 2:19 pm
Post subject: Shouldn't Good Credit People Be Rewarded?
Maybe that's a little harsh. I know it's the right thing to do, (meaning paying on time) but there are those who take advantage of credit and don't pay on time. I don't understand with the cost of living going up, why some banks are stingy when it comes to a CLI. Some banks will give you a lot, others some, and then there are those who will NOT accept a customers request like HSBC Direct Merchants & Barclays/Juniper and probably others I am not aware of.
Last edited by AJ on Mon Mar 05, 2007 4:58 pm; edited 1 time in total
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 Mar 05, 2007 2:27 pm
Post subject: Re: Shouldn't paying On-Time / Good Credit People Be Reward
AJ wrote:
Maybe that's a little harsh. I know it's the right thing to do, (meaning paying on time) but there are those who take advantage of credit and don't pay on time. I don't understand with the cost of living going up, why some banks are stingy when it comes to a CLI. Some banks will give you a lot, others some, and then there are those who will NOT accept a customers request like HSBC Direct Merchants & Barclays/Juniper and probably others I am not aware of.
You talking about people like me????
11+ years no CLI with MBNA
Never even one day late
Never any bounced checks
I used the stuffing out of that card
ALWAYS PIF
CARRIED A BALANCE
USED IT FOR ONLY BT's FOR SOME YEARS
SOCKDRAWERED IT AT $0.00 FOR 6-12 MONTHS
No difference
No CLI
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira
Posted: Mon Mar 05, 2007 2:37 pm
Post subject:
Quote:
there are those who take advantage of credit and don't pay on time.
...and they pay for the privledge with hefty late fees, highest interest rates, closed accounts, bad credit ratings, extreme difficulties getting additional credit, etc. We of the "do everything right, pay on time, don't abuse your credit" pursuasion are rewarded by not having to pay these penalties. Depending on the individual card issuer there are often additional perks such as rebates, lower interest rates for short periods of time, etc.
I don't know what more you can ask, although I'm sure I'm about to learn.
AJ
Posted: Mon Mar 05, 2007 4:57 pm
Post subject:
Question 4 mouse; are you saying that old MBNA which is now Bank OF America has not changed your limit in 11 years? Have you not tried the CLI form on the website?
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 Mar 05, 2007 5:13 pm
Post subject:
AJ wrote:
Question 4 mouse; are you saying that old MBNA which is now Bank OF America has not changed your limit in 11 years? Have you not tried the CLI form on the website?
I finally got one....
After 11+ years from the ON-LINE deal
+$6,400
Asked for $7,000 more like 5 or 6 months later
Said 7-10 days
(THAT MEANS DENIED)
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Labels: Credit Card Credit Limit Increase Tips, Credit Cards That Give Good Credit Limit Increases
posted by CardRatings.com at 10:50 PM
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