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credit card limit increase

S

sonoma1993

Diamond Member
Well my credit card company, 1st financial increase my credit limit $9000 to $11,000. Not like i need the increase, instead of increasing my credit limit to $11,000 give me a lower interest rate. Right now it hanging around 20%, be nice they would lower it to at least 15%
 
How about you call them and ask.

Btw, I think you may be wagging your e-penis around, but I don't have a magnifying glass to see it right now.
 
Originally posted by: BigJ
How about you call them and ask.

Btw, I think you may be wagging your e-penis around, but I don't have a magnifying glass to see it right now.
Click to expand...


how is that waving my e-penis around? $11,000 credit limit is not alot really. there people out there that have credit limits up to $60,000 maybe more
 
Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
Click to expand...


I didnt ask for a credit limit increase dumbf*ck. They sent me a notice in that mail yesterday stating that they increase the credit limit.
 
Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
Click to expand...

Quoted for stupidity.

Go read up on creditboards, you have no clue WTF you're talking about.

Viper GTS
 
Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
Click to expand...


way to pwn yourself and lack of knowledge there dumbass 😱
 
You guys beat me to it 🙁 I so wanted to just laugh at him for a stupid statement like that... wait I still can.. I'm laughing inside.
 
Originally posted by: sonoma1993
Well my credit card company, 1st financial increase my credit limit $9000 to $11,000. Not like i need the increase, instead of increasing my credit limit to $11,000 give me a lower interest rate. Right now it hanging around 20%, be nice they would lower it to at least 15%
Click to expand...

Seriously, 20%? Man, they think you need them more than they need you. None of my cards are anywhere near that high, but I do know what you mean about them increasing limits without so much as "do you need a limit increase?" Amex just did this to me. I got it early last year for a $3K purchase, which I returned, but the limit a year later is 2.67 times higher (6-->16).
 
ROFL🙂 I have a card from them and my interest rate is 8.9%. The one thing i hate about the card though is the payment scheduale.
 
Originally posted by: sonoma1993
Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
Click to expand...


I didnt ask for a credit limit increase dumbf*ck. They sent me a notice in that mail yesterday stating that they increase the credit limit.
Click to expand...


Yeah...they higher it without asking you. That and increasing credit line does not damage credit.
 
Originally posted by: sonoma1993
Well my credit card company, 1st financial increase my credit limit $9000 to $11,000. Not like i need the increase, instead of increasing my credit limit to $11,000 give me a lower interest rate. Right now it hanging around 20%, be nice they would lower it to at least 15%
Click to expand...

Doesn't matter if you don't carry a balance. If you do, you should find a card that's even lower than 15%. Like Big J said, call the CC issuer and ask for a lower APR.

Originally posted by: Finns14
Hey I'm only 19 but I need to be learning about such things so what is FICO anyone?
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Not sure about the details, but the FICO score is an measurement of your 'credit-worthiness.' IIRC, some things that affect your score are:
-Not having late payments
-Obviously, no history of loan defaults
-Proportion of unused credit

It's supposed to show that you can MANAGE debt well. ViperGTS can probably tell you in greater accuracy and detail. Or Google 😛
 
hmm well i really dont use credit, all my expenses are paid for cash/debit.
reguardless i know its good to have credit, how i start off?
 
:thumbsup:

Your APR is far too high!

I never carry a credit on my credit cards. I always pay it in full each month and don't buy stuff that I don't have the £££ to pay for. No point carrying credit when I have the cash. I do make some CC payments online for the protection over my checking account card.

I have a crappy £1250 limit 😛

Koing
 
the one thing I hate about paying my 1st fianaical credit card bill, if i pay it online, they automatically charge a $10 fee for paying online, so I send it to them in the mail. This other credit card I have, when you goto to pay it online, they have an express payment, they charge like $15 for sameday payment, other than that it free to pay it online when you do a schedule payment for a few days later.
 
Originally posted by: sonoma1993
the one thing I hate about paying my 1st fianaical credit card bill, if i pay it online, they automatically charge a $10 fee for paying online, so I send it to them in the mail. This other credit card I have, when you goto to pay it online, they have an express payment, they charge like $15 for sameday payment, other than that it free to pay it online when you do a schedule payment for a few days later.
Click to expand...

Uh, that's strange. All the banks around here it is free (in fact, they prefer if you pay online).



My CC only slowly raised my limits. I got it about 3 years ago when I was 18 with a $500 limit. Had to call 3 months later to get $1k. It goes up 1k/year after that. I simply went and got an AMEX a couple months ago with a $3k limit, screw those guys.
 
Originally posted by: sonoma1993
the one thing I hate about paying my 1st fianaical credit card bill, if i pay it online, they automatically charge a $10 fee for paying online, so I send it to them in the mail. This other credit card I have, when you goto to pay it online, they have an express payment, they charge like $15 for sameday payment, other than that it free to pay it online when you do a schedule payment for a few days later.
Click to expand...

WTF... are you paying my echeck maybe? Do a direct withdrawl from your bank.. it's still $10? That's insane.. I would drop that card like a rock if that were the case.
 
My interest rate is about 14%, I've been slowly TRYING to pay off a debt of $2500. With an interest of $50 per month, it kind of smacks around my ability to pay it off anytime soon, even paying $200-$250 a month. What's annyoing is since I stopped using it, sticking with cash instead, they keep send me letters and calling me on the phone asking why I'm not using the card and telling me I really really really should be using it. Jerks.
 
i dont remember if they changed it or not, id havent pay it through the website in over a year i think. Also I dont remember the website login and sn from not using it in awhile.
 
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