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re: Do some credit card companies give credit line increases only to those with heavy usage?
Posted on 8/13/19 at 8:02 am to cypressbrake3
Posted on 8/13/19 at 8:02 am to cypressbrake3
The one that cracks me up is Kohl's.
Our Chase Visa and our Bank of America Visa both have credit limits approaching 30K.
We have store cards for Lowes and Home Depot that have CLs between 8K and 10K.
We have a JC Penney store card with $9K CL
Then there is Kohls. When we opened it, we were given a CL of... $300. This was 6 years ago. Wife uses it at least once per month, and we pay it off each month. They have never raised the limit on their own. Twice, she has requested a raise. First time it went from $300 to $500 and second time it went from $500 to $750.
We have never come close to $750 (I think the most she's ever charged in a month on it is like $450) but it just makes me laugh that the limit is so low.
Our Chase Visa and our Bank of America Visa both have credit limits approaching 30K.
We have store cards for Lowes and Home Depot that have CLs between 8K and 10K.
We have a JC Penney store card with $9K CL
Then there is Kohls. When we opened it, we were given a CL of... $300. This was 6 years ago. Wife uses it at least once per month, and we pay it off each month. They have never raised the limit on their own. Twice, she has requested a raise. First time it went from $300 to $500 and second time it went from $500 to $750.
We have never come close to $750 (I think the most she's ever charged in a month on it is like $450) but it just makes me laugh that the limit is so low.
2
Posted on 8/13/19 at 10:38 am to LSUFanHouston
quote:
First time it went from $300 to $500 and second time it went from $500 to $750.
My capital one card is like that. It was my first card when I had no credit history, so it started with only a 300 dollar limit. I request increases for it, but they are slow jumps. To like 500, 700, etc. Apparently if you start out with a low limit this is what you can expect.
Kind of BS cause even though I got that card first, my other card limits are much higher cause they started me out at a higher limit. But it is what it is.
Posted on 8/13/19 at 10:41 am to LSUFanHouston
quote:
We have never come close to $750 (I think the most she's ever charged in a month on it is like $450) but it just makes me laugh that the limit is so low.
Is the card in her name vs yours? Her rating may be significantly lower than yours, thus the paltry increases.
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