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Discussion in 'Credit Talk' started by eddie, Sep 23, 2001.
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You can exptect to have your credit limit raised by 2000$ every 5 months.
It already "happend" twice to me
I'm 1/2 happy with NEXT CARD...mine is still 9.99% NO BT FEE...
BUT wife's was 9.99% then 18.99% and $50 BT...(NOT ADVERTISED)...THEY PULLED THE TERMS OUT OF THE AIR!!!
Her F.I.C.O. is 37 points higher than mine.
My service was good, but I refused the 21.9% interest rate. That is just too high on a card with a $2,000 limit. I decided to cancel mine, and I got a Chase Platinum.
I opened my account in January. Limit 9K. Received a 2K increase in the fourth month. APR started at .049 + prime but was raised to 9.99 fixed.
Some others on this board had the variable rate...when the PRIME was dropping too much NEXT CARD put ours back up to 9.99% fixed...
9.99% is ok, although there are better rates now that PRIME is 6.00%...
I wonder what they're up to ...
My partner couldn't get a limit increase for anything, then 5 months ago, poof, + $1000 out of the blue.
Just checked today, BIG POOF, +$4,500, also out of the blue.
I guess they just did their quarterly re-scoring on the portfolio.
I'll hound them about lowering APR now...
I always ask for a (NO CREDIT REPORT) credit limit increase every 4-5 months and get it...
I forgot the NO CREDIT REPORT part and was denied...then the following month I got $2,000...GO FIGURE...
Well, gee I hope that my request for an unsecured card works.
This may be a stupid question, but are these increases coming mid-cycle or at your statement closing date?
When THEY feel like it...THIS IS THE SAME COMPANY WHO GAVE MY WIFE WITH A
F.I.C.O. OF 741 AN INTEREST RATE OF 9.99% 3 MONTHS "GO-TO" 18.99% $50.00 PER BT....
My increase came on the 21st of the month and my next statement will not close until the 5th of next month.