Credit Limit on Store Cards

So I've had my VS and Express cards since October with great payment history.... I am in the process in trying my 630 score a little higher... Do you think I should call and request a credit limit increase??? I have two other CC with about 50 UTI which I do plan on paying down. My VS and Express cards both have a 0 balance right now

http://ficoforums.myfico.com/t5/Credit-Cards/Victoria-s-Secret-WFNNB-CLI-Auto-or-Requested/td-p/1461204

Similar Messages

  • What is the maximum credit limit for this card?

    So I've had my Total Rewards Visa Signature for the past 18 months...started at 10k, always SP CLI every 4 months. Always got 4K CLI at a minimum but yesterday I only got a 2K.  The card is now at 30K.  Anyone ever get this card go beyond 30K or is that the maximum for this card?

    I don't think there is a maximum. I'm sure it's relative to income. I haven't seen it higher than 30k.

  • USAA World Mastercard approved $16k, NFCU credit limit increase doubled to $20k!

    It's about time ladies and gentlemen!
    12.99% for NFCU platinum12.90% for USAA World Mastercard Rewards.
    Full USAA member (I think?)  I have Auto, Home, Personal Property Insurance with them.  Also Checking, Savings, Stock account.  Former enlisted, medically retired. I had a Classic card with USAA since 2011.  I didn't know at the time that I couldn't increase the $1k credit limit with that card.  They were charging me a shocking 22.9% apr, but I luckily never carried a balance after the first 6 months of using it.  Usually would charge most of my stuff on it and pay in full.  The NFCU started me off at a $10k credit limit a few years ago and I was really happy with the 12.99% and the first real bigger card.  Everyone else was only offering me $1k and I was very happy with the larger limit.  I do believe that this was also high because I had opened a secured credit card for $10k, yes I had cash at the time but no credit.  I ended up closing that account and getting my money out when the NFCU was accepted.  I truly believe that the lenders look at other credit limits to also base off what they offer you as a credit limit.  Lately though I was getting recked by the high utilization on my NFCU 10k limit as I had just gotten married and luckily we recieved plenty of cash and gifts to cover everything.
    So anyways after hanging up with USAA after learning about my classic card with them and not being able to increase credit limit nor change APR, I applied for a USAA World Rewards online and instant approval for $16k @12.9%!  This is going to be my main earn some points and pay in full card.  I just wanted more overhead so that I could spend without worrying about my utilization ratios.  And I've been with USAA for 6 years now. About a few hours after I got the itch to bump up my $10k limit on NFCU, because I had brought the high limit to about $10,125 at one point.  And after lurking for years on this site and reading up on asking for the max limit without review, I did the $25k credit limit increase online.  They countered with $20k!  I accepted!  I just sent a message to see if they could reduce my interest rate and we shall see within the next few days.
    Never had a late payment on my report, but was a bad boy at 18-19 years old.  About 3 years ago everything bad off my credit fell off from the 7 year rule.  I had some late payments and such at 18 years old.  I ended up disputing them on annual credit report to verify the numbers are correct and they ended up removing the bad ones luckily!
    I want to say my score is in the mid 720s.  But my vantage score that shows on the credit cards is 699, probably due to that high 9k balance on the Navy Fed that hasn't reflected on the reports yet. I do shop at Costco a lot but never had their AMEX.  But was thinking of applying for the Visa rate advantage with USAA to use at Costco.  My mom added me as an authorized user on her AMEX for costco so she could get points.  But I called AMEX and canceled my authorized user account with them a few months back.  I disputed online that I never signed anything and was added on by my mother.  Transunion removed the AMEX and another card I was authorized on (barclays) but experian just reported them as closed.  Wondering also if this hurt my average age of accounts.  My credit sesame shows about 3 years and 6 months for my average age. So currently have my $16k limit with USAA World Mastercard$20k limit with NFCU PlatinumOnly two credit cards as I canceled my $1k limit classic crap card.  Have one car loan open now and one mortgage.  Had many car loans, about 2 car refi's, even had 3 car loans open at one time during my high 680ish scores.  Lots of utilization I guess, they say they hate it, but they secretely love a good comeback story.

    Thanks everyone!  Wanted to update that Navy Fed denied my APR decrease and they said I could do it once a year.  Eh, 12.99 isn't too bad. Also wanted to add that I got my first VA loan when I was around 620ish and I brought it up from 580 a few months before.

  • HT1689 How do I use the credit from an itunes card to purchase items from the itunes store instead of the credit card linked to my account?

    I redeemed an itunes card on my iphone and when I try to make a purchase, it uses the credit card linked to my account instead of the credit from the itunes card. How do I change this?

    iTunes Store: How to redeem an iTunes Gift Card

  • HT1689 Can I use iTunes store credit (from a gift card) to purchase an app for a friend?

    Can I use iTunes store credit (from a gift card) to purchase an app for a friend?

    No.
    (71262)

  • I have always paid for apps with a credit card and now need to use an app store card but I can't get past the point where it keeps wanting my credit card updated.  And can't used the app card number.  Any advice???

    I have always paid for apps with a credit card and now need to use an app store card but I can't get past the point where it keeps wanting my credit card updated.  And can't used the app card number.  Any advice???

    I do NOT like using my credit card if I don't have to, and I went out of my way to go buy an Apple gift card, which I successfully redeemed into my Apple account. However, when I use the Apple "Cards" app, it will not let me use anything other than my credit card. I tried purchasing a card, hopefulling it would come out of my Apple store balance, but no such luck -- it came out of my credit card.
    Apple is becoming more like Microsoft every day.

  • HT2105 When you get a apple receipt for itunes songs and you paid with a itunes gift card do they charge you or give you store credit what's store credit is it good or bad or does it charge you if you have a free account with no credit cards at all is it

    When you get a apple receipt for itunes songs and you paid with a itunes gift card do they charge you or give you store credit what's store credit is it good or bad or does it charge you if you have a free account with no credit cards at all is it bad?

    iTunes credits are, for example, if you download a song from the store and it's found to be corrupt - if the track can't be fixed then iTunes support will tend to give you a song credit for a free download.
    When you purchase music from the store then any credits that you have will be used first, then any balance that you have (e.g. from iTunes gift cards or allowances), and any remaining amount will be taken from your credit card.

  • What kind of credit card usage led to a credit limit increase for you?

     What type of spending behavior led to your credit limit increases?  (Ie zero balance, high usage with early payments, 9%, 30%, ect).   Were they notable increases?   What time frame did the increases occur in?

    As others have noted, there is no set formula, it depends on the lender (and perhaps involves some voodoo or superstition) I got an AMEX Delta Gold card in June 2013, with a $2k limit, and put $4,500 through the first 11 months. Always letting the balance report on the statement, always PIF close to the payment due date. Then purposefully maxed it out twice, reaching $1,800 in early June 2014, then up to $1,300 again in mid-June when they gave my an auto CLI to $3k. My BofA AMEX card, back in the day, had been auto CLI up to $28,800 in April 2008, so I used $21,800 of it. Then they started CLD:Jan 2009, $21,700 (these are all CL, not balances), though the balances were only a few hundred under each step down in CL, the true Balance Chasing scenario)Apr 2009, $20,500Sept 2010, $17,300May 2011, $16,000Jan 2013, $12,700Then in August 2014, I got a 0% offer from US Bank, so I cleared off all the remaining $12k from this BofA AMEX, and in October 2014 moved a total of $10,700 back onto this card on a new 0% 18+ month offer. Proceeded to make some large payments on that. In Feb 2015, got a $3k CLI on this BofA AMEX, from $12,700 to $15,700. Needless to say, it was a good day

  • Bank is offering to increase my credit limit on 2 credit cards - good or bad idea?

    My bank is offering to increase my credit limit on 2 credit cards.I have an excellent credit score, and already have more than enough credit limit available on my credit cards.I know that a higher limit would make for a better credit score when there is some debt on the cards.HOWEVER - What I'd like to know:Is it ever a bad idea to accept a credit limit increase offer from a bank / credit card issuer?Also - Can a too high of a credit limit affect ones ability to get a mortgage or other loans?  Thanks!

    SeattleGuy1968 wrote:
    My bank is offering to increase my credit limit on 2 credit cards.I have an excellent credit score, and already have more than enough credit limit available on my credit cards.I know that a higher limit would make for a better credit score when there is some debt on the cards.HOWEVER - What I'd like to know:Is it ever a bad idea to accept a credit limit increase offer from a bank / credit card issuer?Also - Can a too high of a credit limit affect ones ability to get a mortgage or other loans?  Thanks!Depends how much debt we're talking about, 1% is still basically 1% even increasing your aggregate CL massively.  Doesn't matter for FICO if your balances aren't there, might matter for Vantage Score if you care about such things. As for a bad idea, no not really unless some future lender figures you're overextended.  Personally I don't limit chase just to limit chase, there are certain cards I want a high limit on (travel card, default spend card, and balance carrying cards to be explicit), and others such as my Freedom at 1K I couldn't care less what it was as I only use it for 5% rewards and it'd be rare for me to get a >1K purchase other than maybe Amazon during the holidays. Limits are irrelevant for mortgages and most other loans, the key there is your FICO score and your DTI ratio, and there the minimum payment amount counts, not the potential maximum. FWIW in the current market there's people with 4-5X their income in card limits on this forum, that may not be a fantastic idea for most people, but current market doesn't really matter and as such I'd probably accept them personally.  There are some people who chase credit card signup bonuses, and for those, limiting their current amount of available credit might sway an underwriting decision in their direction, and as such they might wish to decline, I just haven't ever done that... yet at least .

  • Yesterday I purchased credit from App Store in "maaii app" 4.99$, that credit is not come in maaii credit balance and deducted the amount from my credit card. What happened that amount?

    Yesterday I purchased credit from App Store in "maaii app" 4.99$, that credit is not come in maaii credit balance and deducted the amount from my credit card, Where is that balance?

    Hello there, jobymk.
    The following Knowledge Base article shows how to report an issue with your App Store purchase:
    How to report an issue with your iTunes Store, App Store, Mac App Store, or iBooks Store purchase
    http://support.apple.com/kb/ht1933
    Thanks for reaching out to Apple Support Communities.
    Cheers,
    Pedro.

  • I am trying to buy an app but it is saying "Insufficient remaining store credit". I still have $1.03 credit from mt gift card and the app is only .99 cents.

    I am trying to buy an app but it is saying "Insufficient remaining store credit". I still have $1.03 credit from mt gift card and the app is only .99 cents.

    You will also need to pay sales taxes for your area.
    Stedman

  • If I redeem an app store card within my iTunes, will that credit be billed if I make an in-app purchase?

    I already redeemed an app store card on my iTunes account from my computer, but I'd like to make a few in-app purchases. I know I have to make those purchases from the app itself, but if I were to buy one for $0.99, would that amount be deducted from the new crdit on my iTunes account, or would it still just use the credit card that's linked with my account?
    Thanks!

    Any purchases you make on the iTunes Store (except gifting items) deduct from Store Credit before charging your credit card on file.

  • I have apple gift card and i cant redeem credit on itunes store

    i have apple gift card and i cant redeem credit on itunes store i mede purchase in apple reateil store and knew i cant add it online store why?

    Did you click Redeem on the right side of the iTunes Store under Quick Links?

  • HT5622 My itunes account keeps saying payment info required ( in dutch Betaalinformatie vereist ) how can i fixe this because i have otunes store credit bought with a itunes store card..

    My itunes account keeps saying payment info required ( in dutch Betaalinformatie vereist ) how can i fixe this because i have otunes store credit bought with a itunes store card..

    Create an Account Without a Credit Card:
    http://support.apple.com/kb/HT2534
    Apple ID FAQ
    http://support.apple.com/kb/HE37

  • Hi sir and mam! i dont used my credit card to buy games in iTunes why they = take my money in my credit card.now come thousand dollars,what games for 99= .99$?i dont understan your apple store do?its not safety to used credit in = apple store,very dangero

    hi sir and mam! i dont used my credit card to buy games in iTunes why they =
    take my money in my credit card.now come thousand dollars,what games for 99=
    .99$?i dont understan your apple store do?its not safety to used credit in =
    apple store,very dangerous

    These are user-to-user forums, you are not talking to Apple here. Have you checked the purchase history on your account (Store > View My Account on yoru computer's iTunes), and have you (or anyone who access to your devices) made in-app purchases in apps and/or have you taken out any subscriptions in apps ? If not then you can contact iTunes support via this page and ask for help : http://www.apple.com/support/itunes/contact/ - click on Contact iTunes Store Support on the right-hand side of the page, then Purchases, Billing & Redemption

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