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re: able to spend past limit on credit card. what's going on?
Posted on 9/3/15 at 9:49 am to JonTheTigerFan
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.
1
Posted on 9/3/15 at 10:02 am to McCaigBro69
Not everyone has a +750 credit score like the OT/MB posters and can get a card with a $30k limit
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