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Discussion in 'Credit Talk' started by black-ink, Oct 19, 2000.
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I did the same with capitalone.
Raised $100 limit at Month #2 by request.
will let you know on the 27ths what the second (#8 month) request yields.
since my online purchases go through this car. i pay about $1600+/month on my $600 limit card.
As far as I know, having balances helps, but
not that much. I think a better idea would be
to use the cards close to the limits (let's
say 80%) and pay them off each months.
This way you won't get slapped with finance
charges and they will think that if they
increase your lines, you'll get in over your
head (which you won't)....
Anyway, that's just one opinion, your mileage
my vary. It worked for me, Providian and
Associates increased regularly....
And you should look into getting unsecured
cards. At least Providian and CapOne should
unsecure your cards, or let you apply for
How often did the Associates increase your limit? Did you request it or was it done automaticly?
Unfortunately, banks like people who
hold balances and make timely monthly
payments just a little bit more than
those people who pay their balance in
full every month. While the banks
make money off the convenience user,
they make more money if you carry a
balance. So, here's the strategy. 1)
Buy a single big ticket item
(something that uses 60-80% of your
credit limit). Extend payment of that
item over two to three months. Here
is the proviso I give my clients:
whatever you purchase, you should
have the money to pay off when the
first bill comes; you are extending payment only to demonstrate that you can carry a balance and pay it off.
After, you've paid off the balance.
Leave the card alone for a month or
two (ahh, this shows you're
disciplined, you live within your
means and that you aren't dependent
on your credit cards to live.)
Remember, you can use other cards,
just not that one. After the dormant
period charge as before. I think
you have four cards, if I read
correctly, you should be able cycle
through this process with each card
in about a year. This will help with getting limit increases.
They also make money off their clients that accept their card.