Author Topic: Credit increase  (Read 4486 times)

Offline Smirk

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Credit increase
« on: June 18, 2008, 06:23:45 PM »
If i apply for a credit increase and they deny me, does that hurt my account in any way?

Offline ChikkyMonkey

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Re: Credit increase
« Reply #1 on: June 19, 2008, 01:14:33 AM »
It shouldn't hurt your account, the worst it can do is bring up a hard pull on your credit report which isn't the end of the world...

Offline Avid Reader

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Re: Credit increase
« Reply #2 on: June 19, 2008, 11:42:38 AM »
Ask them to do a soft pull credit check

Offline Smirk

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Re: Credit increase
« Reply #3 on: June 25, 2008, 09:42:57 PM »
Can i ask what that does?

Offline ChikkyMonkey

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Re: Credit increase
« Reply #4 on: June 26, 2008, 04:17:25 AM »
it means that they won't be viewing your credit in anyway that will harm you (it won't be listed as a hard pull which temporarily can effect your credit score...) do a search on it for more info

Offline Smirk

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Re: Credit increase
« Reply #5 on: June 26, 2008, 09:30:31 AM »
thanks

Offline Smirk

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Re: Credit increase
« Reply #6 on: July 02, 2008, 04:28:11 AM »
does anybody know anything i can do to raise my chances of getting a credit limit increase?
(besides paying bill on time etc.... not standard things)

Offline stevenk

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Re: Credit increase
« Reply #7 on: July 02, 2008, 09:58:27 AM »
If you are talking about Amex go online, log in to your account and they have an increase button right there. I've done it several times never got rejected.

Offline Smirk

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Re: Credit increase
« Reply #8 on: July 02, 2008, 10:02:19 AM »
i dont have my card more than 6 months though

Offline stevenk

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Re: Credit increase
« Reply #9 on: July 02, 2008, 10:56:01 AM »
Give me some more info. How much do you spend monthly? Do you pay your bill on time? What's your current limit?

Offline Smirk

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Re: Credit increase
« Reply #10 on: July 02, 2008, 12:44:16 PM »
I opened my starwood card about a month ago, i have a 2k limit i have other cards from chase with 10k limit. i pay my entire bill on time every month
I already went through 3k on my starwoods

Offline Dan

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Re: Credit increase
« Reply #11 on: July 02, 2008, 12:45:20 PM »
I opened my starwood card about a month ago, i have a 2k limit i have other cards from chase with 10k limit. i pay my entire bill on time every month
I already went through 3k on my starwoods
You can apply for another AMEX (such as the Starwood business, which won't affect your personal credit score) and then reallocate the credit lines between the cards.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline stevenk

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Re: Credit increase
« Reply #12 on: July 02, 2008, 12:52:04 PM »
I would sit tight for a few months and then request to increase your limit. If you're close to you limit in any given month, call AMEX they might give you exceptions to go over your limit

Offline Smirk

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Re: Credit increase
« Reply #13 on: July 02, 2008, 12:58:36 PM »
You can apply for another AMEX (such as the Starwood business, which won't affect your personal credit score) and then reallocate the credit lines between the cards.
I can just make up any name for my "business"?

Offline Smirk

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Re: Credit increase
« Reply #14 on: July 02, 2008, 01:00:30 PM »
You can apply for another AMEX (such as the Starwood business, which won't affect your personal credit score) and then reallocate the credit lines between the cards.
right now if i get a F/R im good because i didnt lie, if i do this, and write wrong info, will it screw me if i get F/R?