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re: able to spend past limit on credit card. what's going on?
Posted on 9/2/15 at 7:23 pm to Jag_Warrior
Posted on 9/2/15 at 7:23 pm to Jag_Warrior
quote:
If you're still in good standing, request a credit limit increase. By taking your account over or close to the limit, you're likely hurting your credit score
He's definitely killing his credit score keeping the card maxed out. If this is his only card, maxing it out will have his score pretty low. If they do a hard inquiry for his credit limit increase, they may deny it because of that. If he's had the card for a while and not missed any payments, I don't know why they haven't given him an automatic credit limit increase.
Posted on 9/3/15 at 9:49 am to JonTheTigerFan
quote:
He's definitely killing his credit score keeping the card maxed out. If this is his only card, maxing it out will have his score pretty low. If they do a hard inquiry for his credit limit increase, they may deny it because of that. If he's had the card for a while and not missed any payments, I don't know why they haven't given him an automatic credit limit increase.
I mean I don't understand why anyone would want a limit so low. The more of your credit you utilize the lower the score. So basically you spend $500 on a plane ticket and you're automatically over 50% utilization.
I got my AMEX everyday card like a year ago and after six months they bumped it from $5K to $13K without me asking so I'm assuming they do that in the hopes that you frick up.
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