MemberSince99 wrote:From reading on FICO they can be very competitive if they see you as a profitable customer. I've seen on that forum where they will beat your current high limit. It's always YMMV of course, and if you ask, odds are excellent it will be a hard pull for an increase.
I'm ok with a HP as long as it's a good increase. I only have 1 inq right now and I don't plan to app for anything anytime soon. What's frustrating is I can't find anywhere in my online account to apply for a CLI, so I guess I'm going to have to call. I would've preferred to do it online but it's ok. I paid them $3500 last week, which is much higher than normal (statement balance was a little over 2K) new charges/current balance is now around $250 after my payment, so I'm thinking now would be a good time. I think I'm going to shoot for 20K. I even paid them a little interest earlier this year when I had some major and unexpected expenses, so maybe they'll see me as "profitable." Sound like a good plan?