When should you ask for credit limit increases?

  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

I called got a rep right away (really loving this back door number)
and I asked the guy whats up he said he was checking it out...
and
he told me since i had the annual fee waived he couldn't give me a cli he said basically what you said I should have asked for a CLI when I did it before, he told me to call back in 1-2 months I should be able to get it then..
12 years 2 months ago #106
  • Posts: 3479

Replied by hjm331 on topic Re: When should you ask for credit limit increases?

I should call again this time the backdoor number?


Yes, I've never had any success with CLI's when I called regular CS. All of my CLI's came from the backdoor number.
12 years 2 months ago #107
  • Posts: 1257

Replied by ColoNative on topic Re: Report Your "Credit limit Increases" Here!

Umm where would I get this?
Is there one online..?
and I might have shred it.. I don't know I do not remember seeing that


From what I understand, it would have been a letter sent to you. You can call them and ask if you are on credit steps. Usually with the type of Capital One card you said you had it should have been on it.
12 years 2 months ago #108
  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

You think?
I should call again this time the backdoor number?
12 years 2 months ago #109
  • Posts: 3479

Replied by hjm331 on topic Re: When should you ask for credit limit increases?

Did you call the backdoor number? If you did, call again.
12 years 2 months ago #110
  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

No statement, I called them umm monday, and they said there was no reason at this time, it sounded like a guy from central america..
REAL heavy accent.
12 years 2 months ago #111
  • Posts: 3479

Replied by hjm331 on topic Re: When should you ask for credit limit increases?

Did you call them today? They don't check your reports, they look at your payment history. Did they state the reason why you were declined?
12 years 2 months ago #112
  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

yeah i did i got declined... I figured i would have gotten it being my credit score has gone up and my perfect 1 year payment history with them.. maybe this is the part of them tightening there belts.. i guess ill wait another 6 months then i suppose.
12 years 2 months ago #113
  • Posts: 4522

Replied by Meya on topic Re: When should you ask for credit limit increases?

ok, well It has been a year since the initial should I wait 3 months then or 6 from this last request?
thanks

You are overdue:shocked:. Like Hjm said, it does not hurt to ask, so give them a call.
12 years 2 months ago #114
  • Posts: 3479

Replied by hjm331 on topic Re: When should you ask for credit limit increases?

Call them and ask if your account is eligible for an increase. It doesn't hurt to ask.
12 years 2 months ago #115
  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

ok, well It has been a year since the initial should I wait 3 months then or 6 from this last request?
thanks
12 years 2 months ago #116
  • Posts: 4522

Replied by Meya on topic Re: When should you ask for credit limit increases?

You got it!:white-flag:

Now wait til like 6 months and start to call them on the backdoor number for increases, you should receive some more love then.
12 years 2 months ago #117
  • Posts: 64

Replied by relidtm on topic Re: When should you ask for credit limit increases?

Well I did receive a letter saying if i did good payments by the 4th statement my cl would increase and it did I started out with 300$ and then it went to 500 is that what letter you are referring to?
12 years 2 months ago #118
  • Posts: 4522

Replied by Meya on topic Re: When should you ask for credit limit increases?

It comes with the new card. Some has said it came after the card arrived. Regardless to if you seen in it or not, the cli automatically comes after the 4 statement cuts. That is only if you received the credit steps letter. :worried:
12 years 2 months ago #119
  • Posts: 64

Replied by relidtm on topic Re: Report Your "Credit limit Increases" Here!

When you opened the account were you given the Credit Steps letter? I opened my Capital One nearly 11 years ago before credit steps and it took 15 months before I received a CLI. Stick with them, just give it some time.



Umm where would I get this?
Is there one online..?
and I might have shred it.. I don't know I do not remember seeing that
12 years 2 months ago #120