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credit card limit increase

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Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
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This is what happens when parents get their 17 yr old kids Credit Cards and they automatically think they know everything!
 
Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
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whos the dumbass?!? Get a clue what you are talking about.
 
OP - increasing your credit limit gives them the potential to make more money off you. Lowering your rate gives them the potential to make less money off you. They didn't increase your limit because they wanted to help you out, they did it because they want you to use that credit and pay interest on it.

FirstFinancial sucks, stop using that card (don't cancel it) and get a better card.
 

Originally posted by: Drakkon
LMAO so you took a credit increase that you didnt need?
way to lower that fico dumbass :laugh:
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more misinformation...please research your comments before posting...:thumbsdown:
 
Originally posted by: Shadowknight
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.
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That's when you tell them that their APR is too high and you're other credit card has a lower APR. Chances are they will match your other credit card's APR, even if you have a balance on it.

Worked for me anyway 😉
 
You have to have a special type of account to go above $25000, but my GOD, 20%????? Is this a student card or something????

 
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%
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That's typcial. They want you to load up on the CC so you pay interest. Just ignore their erotic advances and do what you have been.
 
The higher limit is good as long as you don't actually use it since you will be less leveraged (using less of your total available credit). You really shouldn't keep a balance, and if you do then pay it off asap.
oh and get a card that doesn't charge for online payments...geez
 
Originally posted by: Shadowknight
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.
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You should open another card, my opinion would be Amex Clear, no BT fee, and 3.99% for life of the BT for first 90 Days. Cut that interest WAY down on your balance. No reason to pay that much, I have 2 balances both under 4%.
 
Originally posted by: everman
The higher limit is good as long as you don't actually use it since you will be less leveraged (using less of your total available credit). You really shouldn't keep a balance, and if you do then pay it off asap.
oh and get a card that doesn't charge for online payments...geez
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this is correct, like he said as long as you dont use your increased credit limit it is actually good



 
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.
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ummm...no....i do not get charged to pay online.....they are screwing you over....I have had 1st financial for about 2 years also.....
 
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