Report Your "Credit limit Increases" Here!

**hjm331** · May 20th, 2008, 05:54 PM

Originally Posted by 101370

Originally Posted by 101491

When I came to this site and found out about the back door number, I called two separate times within 24hours and received two $500.00 credit limit increases on BOTH my Capital One cards! The best part is, I had only had the cash reward Visa for less than a month!!!!

Wow!!

I'm thinking of calling the back door number for Cap1 for a CLI but I'm scared

If you call and get denied does it hurt your score and/or chances of getting a CLI later??

No it doesn't hurt your score. They base their decisions on your account history.

**Meya** · May 20th, 2008, 09:33 PM

Originally Posted by 101491

By the way, drinks are on Porgy1000. He seems to have enough in his credit lines for all of us...hah!

Porgy is pouring drinks?

Oh well, I quit 2 weeks ago....lol.

Way to go on the increases everyone!

**ChrisPA** · May 21st, 2008, 12:18 AM

Capital One Standard Master card
4 Months of having this card
Started at 300
300 first CLI via back door number
500 Second CLI via back door number
500 Third CLI via Credit steps auto increase

NEW! CL 1600

**happylady** · May 21st, 2008, 09:14 AM

Well I called the Cap1 back door number for a CLI and got denied...

I guess I'll try again in a few months..

**MsKiwi** · May 21st, 2008, 04:00 PM

I know people knock First Premiere, but to those who were in deep crap with their credit they are worth the fees. I hit the increase CL button for the heck of it and got $100 but my statement came today and they actually granted me $150 increase. Nice suprise

**hjm331** · May 22nd, 2008, 12:45 PM

Congrats MsKiwi! That's a great news. If you have the money to support that card, then go for it. As soon as you get some better cards, dump them because they will keep charging you that monthly fee.

Good Luck

**MsKiwi** · May 22nd, 2008, 11:33 PM

Originally Posted by 100379

Congrats MsKiwi! That's a great news. If you have the money to support that card, then go for it. As soon as you get some better cards, dump them because they will keep charging you that monthly fee.

Good Luck

------------------

Thank you. I have some work to do on repairing my credit to get to the point of better cards. This is my goal for the next year....work like a crazy woman to get back to where I was 4 years ago.

**hjm331** · May 23rd, 2008, 02:35 AM

MsKiwi, out of curiousity, what types of cards did you have 4 years ago? Did you have any cards from Bank of America or Citi? If you did, we would really appreciate it if you gave us your experience on how it is to work with the big banks.

**smcc** · May 23rd, 2008, 05:13 AM

Based on my income I have reached my Credit Line Increase limit. BOA will not give you any more increases once you hit 20% of your income. My question is this, if you apply for another card with the same banking institution will the bank let you run that limit up to the point where that card now represents 20% of your income? Will the bank give that much exposure to a customer? Example: You make $50k and you have two cards with $10k limits on both (20%) of your income on both cards.

**wildrage2** · May 23rd, 2008, 06:10 AM

Is that limit just for a specific B o A card? I only say this because someone I know has a $28k BoA limit and makes around 80k. It is an account that is around 10 years old.

**smcc** · May 23rd, 2008, 11:05 AM

Hi Wildrage, I have a BankAmericard and its at $41k with a combined income over $115k. The bank says I'm at my limit and they can't approve another increase based on salary. My question is if I apply for say a World Points Visa from BOA can I run that card also up to $41k? I'm thinking no because I would be exposed to $82k. So does the 20% apply in general to any credit card or "X" numbers of credit cards as long as the combined limits are no more than 20% of your salary?

**Clifton** · May 23rd, 2008, 12:55 PM

Good news!!! I was approved for a Chase Platinum Visa Card yesterday with a 400 dollar limit, no AF, and 0% APR for the first 12 months. This is my 9th cc and I am breaking into the majors. And I applied for this card on a whim online with instant approval. I had a sneaking suspicion that I would be approved since my May TU score was in the low 600s. My HSBC cards are going on hiatus when they are paid off and Chase is going to get alot of my attention (even with the low limit).

**Tynece** · May 23rd, 2008, 01:01 PM

Just hit the button at Macy's Visa. Last increase was 1/08 for 6000 to 9000 today went from 9000 to 11000.00

Forgot to mention BOA increased from 3000 to 5000 last week

**Meya** · May 23rd, 2008, 01:46 PM

Way to go, now we know what Macy's is working with!

**Tynece** · May 23rd, 2008, 01:50 PM

I love my macys card!!! They have been good to me I must say. My total lines with them are now 11000 5200 5000 Total 21200.00 WOW I never looked at it like that. I need to go shopping LOL