- Centurion Member
- Posts: 707
- Joined: Tue Sep 22, 2009 1:15 pm
- Location: Arizona
The only way that anyone can tell you what your limit might be is to do a hard pull on you. That will affect your score and it costs the credit card company money. But you don't want to talk about your score - that's fine. Without getting an actual credit report all they can do is guess. Your FICO score will tell them how likely you are to repay. But your limit involves how much you can charge and that will depend on your income. So, until you apply, no one can make a commitment to you.
Now, you also don't want to talk about carrying a balance. You don't want anyone to judge you. That's fine to. But the problem is that, judgment aside, the fact that you carry a balance on a high interest card tells me that you do not have the income to support a high limit or much in monthly charges. So, without judging you I can use that information to predict that you are not likely to be a profitable customer and you will be relatively high risk. That means I would not want to give you a very high limit until I had a couple of years of experience with you.
Hopefully that answer helps you. Disregard it if you think it is too judgmental or brings up issues you don't like. But that is how the human reviewing your application will think about it.