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Discussion in 'Credit Talk' started by JacquiG, Jul 16, 2001.
Not an issue really, but the curiosity is killing me!
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HAVE NEVER RECEIVED SECOND CARD OFFER. NO CREDIT LINE INCREASE IN SOME TIME...
My husband has had an MBNA Visa since 1993. He filed bk in '93 but kept that card. It had a $1,000 limit back then.
Since '93, he's never received any increase. It's still today at $1,000. Perfect payment history and everytying.
Do they normally automatically increase?
I've had my acct since 1998. My starting limit was $5500, and I requested $500 after the first year (approved). A year after that is when the $500/3 month thing started. I didn't get anything automatic before then.
I have the same situation with MBNA. I have only received a 300 increase - after a hard inquiry - in over 2 years. They started me with 1000. Never late, always more than minimum. Does someone know what's up?
Something is definitely up. I had a card with them, $1500 limit, since 11/99. 13.99 APR, and just today got a notice that they reviewed my Equifax report and are raing the APR to 22.9%!! I called and asked for the reason, since I have always paid early and well over the minimum due. They told me to request a copy of my Equifax, but said it is mainly due to high balance to credit ratio. ( My husband has two cards, huge limits, sizeable balances, but not over 50%, I am AU on them) I said I would close the account before I pay that kind of interest, and they pretty much said fine, do that.
Im debating closing it this month, I am so aggravated over it!