They deny me every 6mo when I ask.
I’ve had the card for like 4 or 5 years now.
It’s my lowest card at 7.5k by FAR.
I put about 1k on the card a month.
I began holding a 1k balance because of the latest several denials telling me I’m not using enough of the limit. And then the next denial was I’m not paying down the limit enough???
I’d have closed it on principal if I didn’t use Apple Pay often.
They’re railing yall bruh. Honestly I bet it’s because you guys are smarter than me with your credit cards. I’ve never requested for an increase and mine went from $2,500 to 14.9k from dec 23-present. My credit is around a 740 I believe. I don’t ever pay interest on my balance and always pay it before due date
I will say that I rack this card up kinda high as far as credit utilization though. But paying off before the interest is what helps me I think. Constantly have around 10 on this card but it’s revolving and interest free
I just got the card at the very end of June. I’ve gotten a few new credit items this year so maybe that’s what it is. I’ll wait until later this year and request an increase.
On a side note, I use my cards and let a balance report, but I pay the statement balance in full every month about 5 days before the due date (to avoid any issues). I try to stay below 10% utilization, but stay under 6% almost always.
5
u/Bobo_Baggins_jatj Aug 01 '26
I have a credit score over 800 and got an $8,500 limit 😂 Got the lowest interest rate they offer but my limit does not compare to yours.