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Fee for Credit Card Credit Line Increase?
Guest: BigDog Post subject: Fee for Credit Card Credit Line Increase?Posted: Wed Jun 21, 2006 11:17 pm Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket?
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Guest: Florydory Credit Expert (100+ Posts) Posted: Thu Jun 22, 2006 9:03 am Quote: Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket? I think it is a bunch of crapola for a credit card compnay to charge you a fee for a CLI..............but, more and more are starting to do it and get away with it _________________ Florydory does not like to be threatened and/or harrassed by creditors !
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Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jun 22, 2006 9:32 am [quote="Florydory"]Quote: Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket? I think it is a bunch of crapola for a credit card compnay to charge you a fee for a CLI..............but, more and more are starting to do it and get away with it [/quote] I used to have one of their cards and was told that there would be a fee for a CLI. I said I saw no reason to pay for a CLI when my card is paid on time and never over the limit. The next month I received an automatic CLI. Don't pay for it if you deserve it!!!!! BTW when you pay that fee they usually increase you without a pull of any kind, hard or soft. The automatic increases are given during their regular reviews which are all softs.
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Guest: usmsci Credit Expert (100+ Posts) Posted: Fri Jun 23, 2006 12:03 pm ive had mine now for 15 months and only one CLI. one card from $300 to $500 and one from $500 to $1000. that was 8 months ago and i called 2 months ago and he said i was up for review and should expect something soon. well ihave yet to get anything from them.. how come? Last edited by usmsci on Fri Jun 23, 2006 12:49 pm; edited 1 time in total
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Fee for Credit Card Credit Line Increase?
Guest: BigDog Post subject: Fee for Credit Card Credit Line Increase?Posted: Wed Jun 21, 2006 11:17 pm Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Florydory Credit Expert (100+ Posts) Posted: Thu Jun 22, 2006 9:03 am Quote: Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket? I think it is a bunch of crapola for a credit card compnay to charge you a fee for a CLI..............but, more and more are starting to do it and get away with it _________________ Florydory does not like to be threatened and/or harrassed by creditors !
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jun 22, 2006 9:32 am [quote="Florydory"]Quote: Increase for a small fee. What??????? You gotta pay for an increase!!!!!!!!!!!!!!!!!!!! If you really stop and think about that for a moment. What a racket? I think it is a bunch of crapola for a credit card compnay to charge you a fee for a CLI..............but, more and more are starting to do it and get away with it [/quote] I used to have one of their cards and was told that there would be a fee for a CLI. I said I saw no reason to pay for a CLI when my card is paid on time and never over the limit. The next month I received an automatic CLI. Don't pay for it if you deserve it!!!!! BTW when you pay that fee they usually increase you without a pull of any kind, hard or soft. The automatic increases are given during their regular reviews which are all softs.
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Guest: usmsci Credit Expert (100+ Posts) Posted: Fri Jun 23, 2006 12:03 pm ive had mine now for 15 months and only one CLI. one card from $300 to $500 and one from $500 to $1000. that was 8 months ago and i called 2 months ago and he said i was up for review and should expect something soon. well ihave yet to get anything from them.. how come? Last edited by usmsci on Fri Jun 23, 2006 12:49 pm; edited 1 time in total
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Credit Line Increase Link for HSBC Credit Cards
Guest: BigDog Post subject: Credit Line Increase Link for HSBC Credit Cards Posted: Wed Jun 21, 2006 10:23 am Hi, I noticed that HSBC has a "Request a Credit Limit Increase" link. It says and I quote: In order to process this credit limit increase request, click the "Submit" button below. HAS ANYONE TRIED THIS AND DO THEY DO A HARD OR SOFT INQ PS - if you click on the statement tab on the top of the page. You will see the link CLI button on the right hand side of the page.
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Guest: hesiden Credit Expert (100+ Posts) Posted: Wed Jun 21, 2006 10:54 am Mine says: "In order to process this credit limit increase request, we may obtain a current copy of your credit report. To authorize this request, click the "Submit" button below." Smells like a hard pull to me, or at least they can if they want. I'd call if you want to try for a no hard CLI.
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Guest: eastbaykitten Posted: Wed Jun 21, 2006 7:05 pm I have two Household Cards (sub prime HSBC). They have this button, but after you link it it tells you to call them. You call and you get horrible service from India somewhere. I have had 2 unauthorized pulls by doing this and at the time of call, I was eligible for an increase for a small fee. Didn't bite. BTW, I complained about the pulls and got a generic "whatever" email from HSBC. Too bad I have **** credit and need them. _________________ MyFico: .......01/06...........06/06 EX....566..............631 EQ....573..............586 TU....587..............611
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Guest: Brammy Credit Expert (100+ Posts) Posted: Wed Jun 21, 2006 7:07 pm [quote="eastbaykitten"]I have two Household Cards (sub prime HSBC). They have this button, but after you link it it tells you to call them. You call and you get horrible service from India somewhere. I have had 2 unauthorized pulls by doing this and at the time of call, I was eligible for an increase for a small fee. Didn't bite. BTW, I complained about the pulls and got a generic "whatever" email from HSBC. Too bad I have **** credit and need them.[/quote] Be patient. You'll soon start getting better offers as soon as your good payment history starts showing up. They get the attitude that this is all you can get but start applying for those better mailers and online in about 6 months or so.
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Home Depot Credit Card from CitiBank
Guest: jrjdrayer Post subject: Home Depot Credit Card from CitiBankPosted: Sat Jun 24, 2006 3:56 pm I just rec'd a pre-approved offer in the mail for a $ 4000. Home Depot card from Citibank. Does anyone have any experience with this card ? I just opened two cards in May, AMEX (5600 limit) and Chase Flexible Rewards, and got an American Eagle card with my daughter. I do not have any balances right now, other than $800. on the Chase card with a 4000. limit (0%) . I am on the fence as to whether I want to open this account. It took me years after my divorce to get my credit score to ~ 725. I would appreciate any advice or comments that anyone has.
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Guest: cameron Posted: Sat Jun 24, 2006 5:16 pm Chase has a card where you get 3% cash rebates at stores like home depot. WHy not get that one instead.
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Guest: Pale Rider Credit Expert (100+ Posts) Posted: Sat Jun 24, 2006 6:16 pm I qualified with a much lower score, so you should have no problem. They give regular CLI's. The best thing is the 6 or 12 month no payment/no interest promotions.
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Guest: fire3000 Posted: Sat Jun 24, 2006 8:25 pm Accepting this card will not have a negative effect on your score if you PIF. Your offer should say that you are entitled to 10% off your first purchase at Home Depot using the card. If you do not shop HD often and can not spend at least $500 in one visit there, then I recommend that you ask Citi to approve you for their regular rewards card instead and at the same 4K credit limit.
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Bank of America Power Rewards Visa Credit Card Offering 2% Back?
Guest: pluffiesc Post subject: Bank of America Power Rewards Visa Credit Card Offering 2% Back?Posted: Tue Jun 27, 2006 6:03 pm I just received a Bank of America Power Rewards Visa in order to buy points and get a 2% rebate but their website does not list the 50,000 points/$1000 reward level. The highest amount listed on the site is 20,000 points/$200 reward. Is the $50,000 level no longer offered?
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Tue Jun 27, 2006 7:10 pm [quote="pluffiesc"]I just received a Bank of America Power Rewards Visa in order to buy points and get a 2% rebate but their website does not list the 50,000 points/$1000 reward level. The highest amount listed on the site is 20,000 points/$200 reward. Is the $50,000 level no longer offered?[/quote] Look in the rewards pamphlet. That where it is listed for me. _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: tonygoldston Credit Expert (100+ Posts) Posted: Tue Jun 27, 2006 7:46 pm According to past threads, you have to call to get it. But Curtis just posted that he heard from a CSR that they are pulling it end of the year. tony
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Searching for Bank of America Credit Card Offer
Guest: Tommy G Post subject: Searching for Bank of America Credit Card OfferPosted: Sat Jul 01, 2006 10:53 am Being new to America (from Europe) and to the world of credit cards in general (and how severe the consequences are for late payment!), I foolishly managed to make some late payments on my credit card from Bank of America about 1 year ago. I have now paid off the full amount of approx. $600 (first in $15 or $20 steps as I believe this is the way to try to build/improve credit hostory?), finally I just got fed up of this debt sitting there and decided to pay it all off in one $500 amount last month. I'm now all clear. However, of course now my CR is a problem. I called Bank of America to ask if I can get a second one and start over, but of course no go. I'm irritated with BofA and how I inadvertently got myself into that situation with them and now with the fact that of course, as far as they're concerened, I'm now considered by them to be an 'unreliable' borrower. Can you recommend who I should go to in order to apply for a second credit card? I've been inundated with marketing flyers from Capital One but have read bad thigns about them on the internet. I'd like to go with a solid, well-known and long-established institution if they'll have me. Needless to say, I'll be watchign my credit card re-payments like a hawk to make sure I do nothing wrong this time around!
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Guest: Kajjers Posted: Sat Jul 01, 2006 4:21 pm People knock down Cap1 a lot (myself included) but if you've damaged your credit pretty bad, they aren't as bad to deal with as some others. You might also consider a secured card (credit card w/ a deposit).
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Guest: FaithNGrace Posted: Sat Jul 01, 2006 11:36 pm Did you try for a secured card from BofA? That might be an option since they don't feel you can be trusted with a unsecured card. What is your credit score? Just out of curiousity, how much was BofA asking for as a minimum payment per month? Unless they were only asking for the $15 or $20 payments each month, payments that small are probably what got you into trouble. Go ahead and try Cap 1. Right now, if you really want a card, you can't afford to be too picky. Good luck! _________________ FaithNGrace
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 6:25 am If you've had trouble making payments on time, I think it's probably better to pay off the debt as quickly as possible, so you did the right thing. You've already made them nervous by missing payments, so it's best (IMO) if you can show them that it was just a fluke, but now everything's back to normal and you are happy to pay off your debt. I'm a little confused after having read the title... did BofA cancel your card at all? Just apply as you would, I'm not sure they'd turn you down automatically for an unsecured card. Citibank Dividend's gives you 5% back on gas and groceries, you could try for that if you're interested?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sun Jul 02, 2006 9:41 am Tommy G- Greetings and welcome to the board! You can comparison shop for cards for limited credit history here: http://www.cardratings.com/poorinfohome.html _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Juniper Credit Card with 8.9% Fixed APR
Guest: AJ Post subject: Juniper Credit Card with 8.9% Fixed APRPosted: Sat Jul 01, 2006 1:32 pm If so, how long have you had it, and when did you get your first CLI. I've had my for 6 months. 8.9 fixed on purchases, 4.9 transfer checks in the mail. They won't give an increase, said they would send reasons by mail. Received letter, No report pulled, They claim it's given when I Qualify. How do you Qualify??????? I pay in full each month.
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Guest: fitz75 Credit Expert (100+ Posts) Posted: Sat Jul 01, 2006 2:48 pm I don't think Juniper will consider you for a CLI until the card is 6 months old. Not sure if thats the case with you or not.
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Jul 01, 2006 2:56 pm Junny...oh boy. WIsh I never applied. Ok so..in my different communication with them... for CLI increases they review accounts either: monthly every 4-6 months or every 6 months. Take your pick. Anyways, they say they don;t let you ask for one but sometimes they do. Mostly they tell you when they want to CLI you they will tell you. _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: Kajjers Posted: Sat Jul 01, 2006 4:19 pm and if they ratejack u, they won't unratejack u until they feel like it. sock drawer!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Jul 01, 2006 5:54 pm DENIED X 3
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 8:14 am I have a $5000 limit with Juniper, My interest has been fixed at 11.49 percent (or so). I have had the card one year, but no credit limit increase
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AmEx One Credit Card with 1% Deposited in Savings Account
Guest: nessaness Post subject: AmEx One Credit Card with 1% Deposited in Savings AccountPosted: Sun Jul 02, 2006 3:47 am I have an Amex One. I like the idea of 1% of my purchases being deposited into a savings account rather than cashback being wasted by my husband. You should treat it no differently than you would an Amex Green Rewards charge card. Use it conservatively and pay it in full every month.
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Guest: hdporter Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 7:55 am Quote: You should treat it no differently than you would an Amex Green Rewards charge card. Use it conservatively and pay it in full every month. Nowhere near the same. Green is a charge card -- all charges due in full after each statement. One is a credit card -- you can carry a balance month to month. One puts your 1% Reward into a savings account. However, another key difference is that new charges NEVER attract interest during their first month of billing, even if you've carried a balance over. Thus, if you frequently carry a modest balance over from month to month, this card may save you a lot of interest. (There's an annual fee, however.) However, with rates starting at P+5.9%, it's not the most competitive card if you tend to carry large balances. In terms of monthly charging activity, there's no reason to handle the account any differently than any other credit card. - Harry
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Guest: hdporter Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 8:10 am Quote: In terms of monthly charging activity, there's no reason to handle the account any differently than any other credit card. I should qualify this ... I'm assuming that you're at least given a credit "guideline". However, it's occurred to me that this isn't the case. The issue of whether they'll approve additional charges when you're carrying a balance arises. At minimum, you'd want to call in advance of any large charge that would take you higher than your historically high balance to ensure that they'll approve the charge. However, once you've established a month with a balance that you normally wouldn't exceed, you generally don't need to be concerned. - Harry
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Guest: credithelp Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 8:15 am I have the card. At the time when i first got it i had 50k in credit lines with amex but they still started me at a 1k exposure limit on the card until i built a payment history on the one card. After you build a history with it they should increase the amount you can charge over time. I would definitely call ahead of time to see if a certain charge will go through if it is higher than what you normally charge.
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American Express One Credit Card with no Pre-set Spending Limit
Guest: jefftraore Post subject: American Express One Credit Card with no Pre-set Spending Limit Posted: Sat Jul 01, 2006 7:28 pm I just received my new Amex One with No pre-set spending limit . Not knowing the limit, I really dont know what to do with it. Some told me that I might my suprise about the limit one. Please, advise..... (13 months credit history, 721 Experian, 5 open)
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Jul 02, 2006 12:05 am Quote: "jefftraore" I just received my new Amex One with No pre-set spending limit . Not knowing the limit, I really dont know what to do with it. Some told me that I might my suprise about the limit one. Please, advise..... (13 months credit history, 721 Experian, 5 open) NOT ON MY AMEX WANT LIST!!! Easy guess...DON'T go over $1,000...and PIF before the due date
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Guest: jefftraore Posted: Sun Jul 02, 2006 1:41 am Ohh my God, so I am alone on this forum with this card ? Why you guys dont like it. Imagine that you have a card with "no pre set limit" and that you shouldn't spend more than a G. Really, thank you for your advice cuz my expense can't be more than that. Thank again
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Jul 02, 2006 1:47 am Quote: "jefftraore" Ohh my God, so I am alone on this forum with this card ? Why you guys dont like it. Imagine that you have a card with "no pre set limit" and that you shouldn't spend more than a G. Really, thank you for your advice cuz my expense can't be more than that. Thank again I have 3 cards...WITH STATED LIMITS I know what I can spend at any given moment KNOWN or UN-KNOWN EXPOSURE LIMITS WON'T CUT IT WITH ME Even "IF" they tell you on the phone that your "EXPOSURE LIMIT" is $5,000...they may or may not approve each purchase when you get over $3,000 (just a guess)
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Want to Increase Credit Card Cash Advance
Guest: jojo Post subject: Want to Increase Credit Card Cash AdvancePosted: Sat Jul 01, 2006 4:52 pm my A/E limit is 8000,but cash asvance only have 600. is there any way i can increase my cash advance limit?should i call to request cash advance increase? thx!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Jul 01, 2006 5:52 pm Quote: "jojo" my A/E limit is 8000,but cash asvance only have 600. is there any way i can increase my cash advance limit?should i call to request cash advance increase? thx! Call and ask I had mine reduced at one time to $1,000 I have no use for a CASH ADVANCE It is not FEE FREE It is not charged at 0.00% INTEREST
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Guest: jojo Posted: Sun Jul 02, 2006 3:23 am MOUSE:thx i have my own personal small business,some time i do need cash badly,but i always pay back the money where i took from Cash advance within one month.so ur point is i just need let credit company know i need more limit for cash advance? thank you.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sun Jul 02, 2006 9:26 am I have never heard of getting a cash adv. limit increase.....if you are set on doing this, call the cc if can do...but as mouse pointed out BAD idea. You could always use a bt op. to get cash.
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