Advice to apply for a high limit card

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
14 posts
JNK
Platinum Member
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Posts: 93
Joined: Wed Aug 17, 2011 10:53 pm
Location: USA

Postby JNK » Wed Aug 31, 2011 12:02 am

Just a minor FYI... asking for a higher credit limit right off the bat when you don't have a history of having higher CL cards can be a red flag for some card companies because some of them will end up thinking, "What in the world does this person suddenly need with XX,XXX credit limits when they only earn XX,XXX?"

In other words:

Don't accidentally damage your own reputation in your enthusiasm for gaining credit.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash


zapper_89
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Location: South Bend, IN

Postby zapper_89 » Wed Aug 31, 2011 1:19 am

One of the previous cards my father placed me on as an AU was a Citi card with an 18k limit.

However, if there is a general consensus that this is a bad idea, I will defer to the greater wisdom.

zapper_89
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Location: South Bend, IN

Postby zapper_89 » Wed Aug 31, 2011 9:41 pm

I was looking over my credit report again. It was actually a Citi Platinum Select Mastercard with a $14,800 limit that my father had. The EXACT same card now in my name. Is there any chance of getting the account backdated to reflect the 1994, even though my new ACC is already opened? I know I was only an AU on the card, buy my CR shows 1994 as my date of first credit. It would be awesome to carry those extra years for my AAoA.

CC Deville
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Postby CC Deville » Thu Sep 01, 2011 9:48 pm

zapper_89 wrote:I was looking over my credit report again. It was actually a Citi Platinum Select Mastercard with a $14,800 limit that my father had. The EXACT same card now in my name. Is there any chance of getting the account backdated to reflect the 1994, even though my new ACC is already opened? I know I was only an AU on the card, buy my CR shows 1994 as my date of first credit. It would be awesome to carry those extra years for my AAoA.


No. American Express is the only company that will backdate.



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