How soon can I request a credit limit increase?

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chustle925
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How soon can I request a credit limit increase?

Postby chustle925 » Tue Feb 15, 2011 7:30 pm

New member here,only had the Blue Cash card for maybe two weeks.When I applied I was instantly approved with a 5k credit limit.I actually think I went for the wrong credit card but that's another subject.My problem is that I've been using the card a lot at work and paying the charges off immediately.Just in the few weeks of me having the card I have used it to the tune of $4500.As I said I pay the card off after a week or so of the charges to try and keep my ratio down.Should I just continue to do as Im doing or should I inquire about requesting a credit increase? To me it just seems kinda early to be asking for a credit increase!? Any opinions will be greatly appreciated.Thanks


chipnicodemus
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Short answer:

Postby chipnicodemus » Sat Feb 26, 2011 11:42 am

Every six months you can see if you qualify for a line increase. They will take your salary income and other incomes into consideration.

MrAwesome
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Postby MrAwesome » Sat Feb 26, 2011 1:53 pm

I would consider switching to an amex charge card then. My experience has been that most CC companies won't consider you for increase until after AT LEAST 6 months. Discover wouldn't do it for me until a year.

I'm an amex green card member, considering upgrading to Gold because I do the same thing and use it for business expenses and I love it.


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Mogul of Pineapples
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Postby Mogul of Pineapples » Fri Mar 04, 2011 9:32 pm

During the hay day I remember my American Express Blue account had an "request credit limit increase" tab that I could press once a month. I think we are far, far away from seeing that come back. The 6+ months is also the minimum I have heard from the credit cards I use, listed below.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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