Starwoods low credit limit

[tll]

I just opened a starwoods card and when I checked now I see the credit limit is $2000. Thats a joke. I usually get approved for 12k - 14k per card. I called they don't want to up the limit until 60 days. If I make a purchase and pay right away will they increase it for me? How can I get it higher? I need to spend $4,500?

Thank you

[Yisha]

usually when you request them to increase the credit limits they will want to get a new Hard Inquiry and that not worth of course.

versus when they do it, they'll just send you a letter: congratulation bla bla bla .....

that was my experience with Chase, although might be different with AMEX.

[twentie4hrs]

generally you should just call them and ask them to raise it back up...since '08 they have been really pushing back on it...but they have loosened up a little these days

[tll]

Ok thank you. They pushed it up to 4k but not much.
I guess I will keep making smaller purchases and paying them off.

[twentie4hrs]

Sometimes they match credit limits with other cards you have but I havent seen them do that in a while

[shach]

Ok thank you. They pushed it up to 4k but not much.
I guess I will keep making smaller purchases and paying them off.

pay in advance more than you owe like this you'll be able to make larger purchases

[twentie4hrs]

pay in advance more than you owe like this you'll be able to make larger purchases

but that wont clear up the larger credit issue...
Are you trying to show a larger credit for your credit score or for larger purchases?

[shach]

I need to spend $4,500?

but that wont clear up the larger credit issue...
Are you trying to show a larger credit for your credit score or for larger purchases?

No. simply if you're trying to make a larger purchase, to reach a spending limit this should do it

[tll]

Yes I want to reach my $4,500 without hitting half my credit limit because that won't be good for my credit.
Thank you. I will pay more then I owe and this will give me credit.

Thanks

[Dan]

Prepaying can cause an F/R...then again so can using more than half your limit.
Safest thing may be to make a charge and then call AMEX right away to pay off the pending charge amount on your card.

[tll]

Ok. Thank you Dan.

[MnM1130]

Prepaying can cause an F/R...then again so can using more than half your limit.
Safest thing may be to make a charge and then call AMEX right away to pay off the pending charge amount on your card.

i just did that today... so happy i read this b4 i got into my situation. and i paid it off 1-2-3!!! thanks!

[FlyFirst]

Prepaying can cause an F/R...then again so can using more than half your limit.
Safest thing may be to make a charge and then call AMEX right away to pay off the pending charge amount on your card.

This will also work for online payment??

[Dan]

This will also work for online payment??

You can't pay pending charges online.