- Centurion Member
- Posts: 4046
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
PlyrStar93 wrote:Just curious, did they send you a letter like the denial-of-credit letter with decision based on credit report and all that stuff?
Yes. It read something like (but not verbatim):
"Thank you for your recent request for a credit limit increase. We were unable to approve it for the full amount you requested, however we were able to increase it to $2,000 and it is already available for you. Our decision was based on these factors:
You already have enough available credit.
You already have enough open accounts.
Your TU FICO is (something like 730)
The biggest factors affecting it are:
Age of accounts
No installment info"
At the time, my credit report had only the 600 Freedom, a 2k Discover, and a NPSL PRG.
And it did entitle me to a copy of my TU report.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech