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Requesting a credit line increase?
Posted on 7/25/12 at 10:50 pm
Posted on 7/25/12 at 10:50 pm
I've had one of my credit cards open for almost 10 years, and the current credit limit is 11,000. The card has a zero balance and hasn't been used in over a year.
I see the option online of requesting an increase to the credit line. Currently my wife and I carry zero credit card debt, but would it be beneficial to try and increase the limit a few thousand?
I've heard that having a large amount of credit available is a good thing for a credit score, but since we already have a zero balance on this card which is not used (we use another card that we pay off monthly to get rewards), would it be pointless to request the increase?
I see the option online of requesting an increase to the credit line. Currently my wife and I carry zero credit card debt, but would it be beneficial to try and increase the limit a few thousand?
I've heard that having a large amount of credit available is a good thing for a credit score, but since we already have a zero balance on this card which is not used (we use another card that we pay off monthly to get rewards), would it be pointless to request the increase?
Posted on 7/25/12 at 11:07 pm to mcgriff
I called today and got my Chase Amazon card raised from $2,000 to $4,000.
Posted on 7/25/12 at 11:10 pm to mcgriff
If you aren't using it I wouldn't bother. The effect on your score is minor at best.
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