When should you ask for credit limit increases?

  • Posts: 4522

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

You're making me look like I'm a bad person.

Tag....(cough cough), NO COMMENT! :embarrassed: :innocent: :fun:
10 years 11 months ago #46
  • Posts: 4522

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

I've never heard this before... What does split mean? And I used to pull mine a lot with freecreditreport.com

10 years 11 months ago #47
  • Posts: 534

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

Meya, does MCK let you pull your EX report daily? I use freecreditreport.com and I can pull my EX report every 24 hours if I wanted to but no need for that. As we know all, pulling your credit report(s) too many times causes them to split which is a real pain to clean up.


I've never heard this before... What does split mean? And I used to pull mine a lot with freecreditreport.com >_
10 years 11 months ago #48
  • Posts: 3479

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

You're making me look like I'm a bad person. :cheesing:
10 years 11 months ago #49
  • Posts: 4522

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

Busted......go to the club now! :shocked:
10 years 11 months ago #50
  • Posts: 3479

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

Yeah, good decision.
10 years 11 months ago #51
  • Posts: 4522

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

Nope, once per month. They used to let you pull every 24hrs a long time ago but, I was scared of having my credit report split or mixed. :scared:
10 years 11 months ago #52
  • Posts: 3479

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

Meya, does MCK let you pull your EX report daily? I use freecreditreport.com and I can pull my EX report every 24 hours if I wanted to but no need for that. As we know all, pulling your credit report(s) too many times causes them to split which is a real pain to clean up.
10 years 11 months ago #53
  • Posts: 4522

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

how would I know my credit score? i have an hsbc card.

Go to Mycreditkeeper.com it is $9.99 if you have an HSBC card. I know it was advertised by Orchard Bank, since they are the same bank, I am pretty sure that credit keeper is through all of HSBC cards.
10 years 11 months ago #54
  • Posts: 3479

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

If you want to find out what your scores are, you have to buy them from myfico.com.
10 years 11 months ago #55
  • Posts: 534

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

In order for you to get your score you will have to contact the three credit reporting agencies, TransUnion, Experian and Equifax or go to http://www.annualcreditreport.com/ . :cheesing:


Keeping in mind your free annual report does not include a score.
10 years 11 months ago #56
  • Posts: 4

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

how would I know my credit score? i have an hsbc card.


In order for you to get your score you will have to contact the three credit reporting agencies, TransUnion, Experian and Equifax or go to http://www.annualcreditreport.com/ . :cheesing:
10 years 11 months ago #57
  • Posts: 8

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

I thought this topic was for "when should you ask for credit limit increases". You should ask for credit limit increases with the banks or CU went you know you are a responsible paying customer with your CC and that you PAID ON TIME. Please makesure that you credit score is around 700 or better and you do not have to many inquires



how would I know my credit score? i have an hsbc card.
10 years 11 months ago #58
  • Posts: 8

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

I have an HSBC card for 4yrs now...don't have problems with it so far....I'm even surprised they've given me CLIs even if I didn't asked for any increase. :cheesing:
10 years 11 months ago #59
  • Posts: 1257

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

I thought this topic was for "when should you ask for credit limit increases". You should ask for credit limit increases with the banks or CU went you know you are a responsible paying customer with your CC and that you PAID ON TIME. Please makesure that you credit score is around 700 or better and you do not have to many inquires


And now with the CARD Act in place, be prepared to present your past years taxes to the creditor in order to prove your income.
10 years 11 months ago #60