- Centurion Member
- Posts: 235
- Joined: Tue Mar 12, 2013 10:10 pm
- Location: United States
I had exactly the opposite experience with Chase as Member did, though, of course, each person's circumstances vary widely. I had the UMP with a relatively low limit with them (at the time I apped, my credit was only in good territory, I had just bought a house, and my income was middling for the expense of where I live). Called them after a few years of solid behavior and promotions and asked for a CLI, got instant approval for ~2.5x the line (full disclosure: they asked me what line I wanted and I tossed out a round number). 6 months later, they decided to bump it up another 50% on their own. I seriously logged in one day to find my credit line massively bumped (got the letter a few days later).
HOWEVER, over the time this transpired, my credit went from good to excellent and my income went up substantially (~25% increase). I also never carried an interest-accruing balance (sure, balances reported since I was using it to the fullest for miles, but everything was paid off before the payment date and any interest hit). Perhaps without major-to-radical changes in your financial and credit situation, you might not be able to get the increases, but WITH those changes, I found it easy (sometimes even unexpected!) to increase my lines with them.
Target Visa $1.5K