Credit Limit Increases - How to Get Highest Credit Card Lines from Amex, Chase, Capital One, Citi...

[@ProudMoney]

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[@imdamij2452]

Ok

[@JoseFernandez-wu8pj]

9:40-45 THAT IS DEFENATLY ME.

[@yuumsta]

This guy is the Bob Ross of credit cards

[@SabreLeonheart]

Happy Little Cards

[@madmakes7993]

Let's just paint a happy little score here

[@williamcordero91]

Oh dude 100% it’s crazy that he’s not higher on the list of youtubers. Well thought out videos

[@ctsmith9527]

He does paint a nice canvas with credit 😂😂😂

[@GHC3]

Definitely has the voice for it. Calming voice to listen to

[@Surfer041]

3 years ago, one card for $1500. Now, 4 cards with one being Amex Gold, the other 3 have a limit total of $37,000

[@phillipdeck933]

Forget capital one. I been a loyal customer no increases l gave up l stick with other cards that gives me increases regularly

[@LouisJr.]

Capital One issued me a Savor One Card with a $1,000 limit back in December 2021 but just recently increased my limit to $5,000 in October 2022. I just waited for a while & they increased mine without me asking. But it still took them a little longer than I expected 10 mths. to give me a increase thou.

[@LouisJr.]

@@miguelortiz8457 My usage was probably about 30% or less each month. But there were times during 2022 when I charged more than that mainly for cable, phone, streaming bills & online purchases.

[@LouisJr.]

@@miguelortiz8457I would recommend the Citibank Custom Cash Card they offer 5% Cashback on your highest spend category. Chase Freedom Flex or Unlimited cards are pretty good too. AAA Advantage Visa card could be a option for you as well.

[@anthonypurpura8505]

I recently got approved for a new card with a much higher increase than what I had previously, and my original card (with a different bank) jumped my credit limit to equal the newer card. It seemed like they thought they were losing my business from lack of credit, so they increased it to promote me to use the card more

[@AFC_27]

When I called in to WF in Dec 2023 It was a hard pull. However, I did both WF Autograph and Active cash at the same time, requesting 20% increase on each and was approved. So it was a 2-for-1 hard pull.

[@unkleskruge]

I ask for an increase every 3 months on the dot. And as long as they don’t request a hard inquiry I do it. I went from a few thousand to over 100k in credit in about a year and a half. I always pay my bill before the post date so the credit cards don’t make money off of me but they don’t view me as a risk. And I started off small and then I would try to double the limit every 6 months.

[@Westcoaststyling]

Is that 100k just on one card or over multiple cards? If it's just one, which one did you go with?

[@BEERLIGHTBROKER]

I got 3 limit increases yesterday. All soft pull on zero balance cards.

[@adesinaoluwasegun4352]

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[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@est94]

Apple almost tripled in 2 years from 4K to 11.5k however Amex and Cap one has barely risen in 3 years

[@dejiavu269]

Same for me apple raised my cl from 2000 to 4000 after 4 months. I Did request a credit line increase though so it wasn’t organic.

[@michaelreid8857]

Remember new cards and inquiries do lower your FICO. However, 60-90 days of good payments will normally bring you back up!

[@floridaproductions]

Capital One said I don't use the card enough. So I applied for the same card again and got another card with $3000.00. Not making this up!

[@chrisness]

You want your average age of cards to be old, and a new card makes that worse though

[@A22DNAL]

This is EXACTLY how CapOne operates!

[@magellanmax]

Cap 1 said the same thing to me, they're stingy AF!

[@jrock97nc]

Mannnn I’ve had the chase sapphire preferred for 3 years!!!!!paid off everything every month on time.. still no limit increase

[@missdestin93]

Me too. I just got one this month which was shocking. That’s after 5+ years

[@journey2credit84]

Apply for another cc with chase once received card call. Recon line to transfer old card credit line to new card or old card line

[@conquerordie230]

One data point to underline as part of this conversation is that adding authorized users to the account may also trigger credit line increases over time. With an increase in volume of transactions I've noticed banks are more ready to give out generous credit line increases for that particular account on their own, and on a more regular basis (provided that the primary account holder continues to pay on-time for those extra users as well of course).

[@DayanaPlays]

Apple credit card is awesome when it comes to credit limit increases! I'm at 13K

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@adesinaoluwasegun4352]

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[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@newbeginnings9457]

I have never in my 50 year life asked for an increase! Always get way more than I need!

[@Tristen_Smith]

How many children do you have?

[@captnjohnnyhollows]

I will say I have 2 capital one cards and 1 I asked for a increase and got 100 extra the other they just randomly gave 5x the credit without asking

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@adesinaoluwasegun4352]

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[@adesinaoluwasegun4352]

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[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@scottlemiere2024]

Capital One isn't just stingy, they will make things up to deny those increases.

[@Dachamp2001]

That's for sure loyal customer for some yrs. There gonna kick rocks as soon as my amex card gets here to replace them jokers.

[@texasgirl6000]

​@@Dachamp2001, yep they suck compared to all my other credit cards. If it didn't hurt my credit score I'd kick them to the curb.

[@Kaezox]

Hi, in my experience discover IT, will accept a 3 month interval between credit limit increases. Currently at $26,000 limit.

[@JoseFernandez-wu8pj]

DICOVER, CITI, AMEX AND CHASE HACE NEVER FREELY OFFERED ME A LINE OF CREDIT INCREASE. CITI HAS CUT MY CREDIT LIMIT BECAUSE I I CREASED MY CREDIT UTILISATION FROM 10% to 39% in the past 2 YEARS. FINE BY ME I WILL GO GET FINANCED BY PENFED, FIRST TECH, ANDREWS AND NAVY FEDERAL. FUCK THE BIG BANKS.

[@chillz44divorcingyoustalke93]

Is that the same for new accounts?

[@Phizzo4real]

Dang... how long have u had Discover? Im going on 1 year and still at 5K

[@expertonmyself]

i'm just gonna wait for increases at this point. my highest limit is $9k and i don't see myself using even 10% at any given time. i'll let it happen organically. what i will do, is ask for an APR reduction (.5% or 1%) or annual fee waiver.

[@Pakratus]

Chase may count CLIs under 5/24 also

[@shahnulislam9897]

When I was talking to the representative from Amex they mentioned after the first limit increase after 60 days, you are qualified to apply for another credit line increase after 3 days after the first increase. Can't post screen shots here.

[@shahnulislam9897]

I got a delta skymiles platinum from amex but they didnt do a credit pull...

[@stephenmcrae7154]

Maybe Wells Fargo has changed their policy since this video was released. Maybe they are treating me differently from others. I called to ask for a limit increase... they said they'd be happy to submit my request, but they had no way of knowing if they would do a soft pull or a hard pull. I told them, Thanks, but No Thanks.

[@GoldThumbGardens]

Most banks will try to scare you telling you they may do a hard pull for a limit increase. Most will not. I have only had 1 hard pull for 5 cards over 10 years. I usually ask for an increase every 6 months on one each.

[@newbeginnings9457]

@@GoldThumbGardens it’s nice to get such a large limit and I never have asked for any limit increases! Knowing you will get accepted for any loan is such a comforting feeling!

[@22koga]

Capital One stinks for increases also

[@magellanmax]

I'm beginning to believe that Cap 1 business model is mostly centered around credit re/building and it's why they're not generous with CL increases.

[@stephannieq2837]

Cap1 denied me for a credit limit increase and one of the reasons for the denial was that I had too many Cap1 cards. I only have 3 cards with them with very low limits on each one. Cap1 has over 8 different cards. So having 3 cards with them is too many? The heck!

[@kendal4452]

My creditors don't increase it automatically, but they do ask if I'd like to increase it.

[@peterk2343]

When applying for a new card, check for sign.up bonuses if available.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@cchery508]

Thank you for making this video. Helped convince me to pull the trigger and got approved today. I plan to replace the Amex Gold with the Premiere if I don't get a retention offer.

[@MER1CA_1st]

I thank you for all you great advice ADAM👍

[@ProudMoney]

Thanks for watching!

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@joseluisruiz3789]

citi bank has a habit of decreasing your line of credit with their cards if you have a large balance with another credit card company regardless of paying hundreds more then the minimum payment per card and even have a large income over 100k USD. this just happened to me with my citi double cash card. I have 100% ontime payments and Zero late payments, Zero collections but a few cards with 80% credit utilization, even though those credit card companies are happy with me because of the large payments I make. apparently I was a high risk 😅. and yes capital One is pretty greedy with their credit card limits lol

[@phillipdeck933]

oh thanks for the heads up. I have Best Buy card from Citi. I will keep an eye out for it

[@DarknessFalls29]

Yep. They did it me and they told me they were monitoring my accounts with other creditor. Nosey pricks. 🙄

[@Sloba1992]

@@DarknessFalls29 what was specific reason they decreased your credit limit? High utilization on credit cards with other banks? What if you keep utilization under 10-20%?

[@DarknessFalls29]

@@Sloba1992 I got a car loan. They didn't like that.

[@Sloba1992]

@@DarknessFalls29 ok 👍

[@gmoney187]

im glad you did this because I was trying to figure out how and why I was being denied

[@jerrycaughron7378]

Capitol One is stingy. Good luck asking for an increase.

[@larrellwhite5940]

True that. I swear!!

[@Lenron-B06]

Yeah they told me no yesterday.

[@larrellwhite5940]

They gave me 1 a month ago. But they only gave me $100(from 500 when I first got the card)to $600. I've had these card from 2018 and 2019!! You right,sis!! They stingy as shit!!

[@larrellwhite5940]

My bad,dude!!lol

[@SahFeirce33]

There are very strict, I started out 300 CL, 500 CL, 600 CL, 800 CL them they just raised it 2,300 CL limit, I dnt knw why they are so strict with giving U C line Increase, Capital 1 needs 2 do better!!!!!!!

[@girliedog]

My scores were 825 & 827 I applied for two cards my scores were docked. Then I was docked again for using the cards, spending barely 10% of my credit limit. Take note I have 100% pay in full on-time history. In May I paid off my mortgage and was docked for closing an account. !!!! The credits score business is BULL SHIT!!!

[@crismtz2818]

That sucks but when you close an account you're credit does go down especially when it's your longest history payment like a mortgage, I know because it happen to me too

[@Jason_The_Man]

It will go back up over time, a few months. You may want to start paying off the cards before your due date to keep your utilization low, that’s a HUGE ding even at 10% usage. I use my cards every day and go almost to credit limit, I use them for EVERYTHING, but I pay the full amount by the 15th and my utilization shows 0%.

[@CaliforniaAngels]

I just paid off my car loan and was docked 15 points. It sucks

[@magellanmax]

Last year I applied for two credit cards three days apart and both were approved. My FICO scores dropped from a 750 average across the board to 704-706!......and my utilization was always at 0%. I was docked for each inquiry and then for each approval and I watched my scores drop with dismay. I'll never apply for two cards in the same year again, lesson learned.

[@toekneelorenzo2942]

@@Jason_The_Man my understanding is u have to leave a few bucks because 0 utilization is like ur nit using yr card when it gets to the credit buearus

[@gmoney187]

capital one gave me a raise from 300 to 600 randomly but then when I asked for another one some months later they just denied me lol

[@phillipdeck933]

dont even bother requesting increase. I requested it was denied then got one automatically two months later. I dont think they want requests. If they dont want requests they shouldnt offer that.

[@jeanwoodhouse6456]

Citi will increase without asking- but if you ask less than 6 months apart you will be denied

[@grizrr]

I've been asked to do an income update by my bank , will that help to get a credit line increase?

[@jeremypresgrave1488]

Do I want to ask for an increase if it's gonna be a hard pull. Especially if u have 3 cards that would be 3 hard pulls and that wouldn't be good correct?

[@Doggieman1111]

A treasure trove of information, thanks for another great video

[@labi393]

What do you put on credit app if you are retired you said never list that

[@mitchellmullins6650]

Yardwork? Landscaper. Work around the house? Home improvement. Move furniture around? Interior decorator. Make a cup of coffee? Barista

[@michaelheffernan7528]

I gave up doing business with banks for Lent last year and haven't gone back since. Can you say Credit Union. The best thing since sliced bread. Pardon the pun

[@75chumpitaz]

everything sounds good about if they denied increase your credit limit but when you want to get a new credit card the bank check your credit and see too many hard inquire and once again they denied a new credit

[@NAT-turners-Revenge]

My capital one card has been stuck at 500 for 2yrs 🤣😂..... my citi cards increased by thousands!!! Hell, even my target card increased over the years!

[@Xtremeproducts]

Don't feel bad. I've been with them for 17 years. My oldest cc. No derogatories. I'm at $5000. Started at $500. They are stingy.

[@maliisadrable5994]

Dude same. I'm contemplating just doing the online increase next month first then calling them about it. Been almost 4 years in a couple months like wtf. Boutta get another card anyway next month to if they don't.

[@ashihtzu5177]

@@maliisadrable5994 I have done this battle to no avail to try to get just a 500 increase on a 3.5K card. Just apply for another card somewhere else. Amex gave me 7K+ on a new card with them. Depending on your credit and income it wouldn't be a bad idea to shop for cards that suit your needs.

[@maliisadrable5994]

@@ashihtzu5177 I'm getting a 3rd card next month. I want to get 2 this yr, one being a CSF card. I just wanted to see if I can increase the limit on at least the disc card round the same time cuz its the lowest w most age. Besides this card gonna have benefits like disc, so I may not even use it anymore like that. Have you done the online app for increase, called or automatically? Is it a soft pull?

[@LionsDad.]

Excellent tips, thank you so much!

[@jtaylor4027]

Great info especially on the inquiries.

[@Candikanelane]

Love these videos.

[@TheTyson35]

Another great 👍🏾 vid, thanks 🙏🏾 for the info

[@ProudMoney]

Thanks for watching!

[@mitchell.9632]

Thanks for the insights on the popular companies in this video (and also the uncommon credit card reviews too).

[@jorgemorales2255]

I just got upgraded from a capital one card with no rewards and no annual fees to a cap one quicksilver with 1.5 cash back, but stated I was going to have the same limit. A year ago I went from in debt 2k with them to current all payments made on time for a year. Is that a good upgrade? I would have rather had a cl increase

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@2QuartersKorean]

I never ask, they just bump up my limit by $5000 every year to 1 1-2 years

[@Anthonyjones-pq4ff]

Adam you spoke about credit incase with Amex does that apply the Gold card too ? I know Amex has a no limit To some what Watch your video

[@raiden3013]

there are some credit cards on amex not jsut charge cards

[@thomasernst1021]

Barclays may leave a soft pull on your account if they reject you automatically. You can also call them if rejected and request a review, at which point they’ll do the hard pull to reconsider. This has happened to me in the past.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@colombiarce]

Hi, I got approved on one of my card without a hard inquiry. Should I try to increase my other card with a different bank?

[@chillz44divorcingyoustalke93]

Yep… I have… if one did in my experience most will… I got 4 increases from different cards in a week… what do you have to lose?? if one saw something positive nows the time to go for it!!!

[@vivettewilsonbrown]

NEW SUBBIE ALERT 🚨. Love your content!!

[@ProudMoney]

Thanks!

[@treskingos]

About requesting a credit line increase with American Express, can that be done with a Navy Federal American Express card or it can only be done with a card that was given by American Express directly?

[@ProudMoney]

You would request the credit increase from Navy Federal. In that case Amex is just the card processor, not the issuer of the card.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@cobrabtc]

Every time you ask for a credit increase... that’s a hard pull on your credit. Not good to have many of these on your file.

[@-Jason-L]

That is bank specific. Many dont.

[@tonylouvat5337]

No...you are incorrect.

[@Westcoaststyling]

Not true, I was just granted a limit increase without a hard pull

[@cobrabtc]

@@Westcoaststyling did you request it or did the company do a soft pull and do it automatically?

[@peteskeet9443]

These videos are great and helpful! Thank you

[@francineford-smith6264]

Absolutely!💝

[@PrincessMeganElsaBoo]

I agree!!

[@jeanlaventurejr4988]

I do have a question, looking to try and apply for a personal line a credit, closing on your forever home soon, wanna use the strategic credit line to pay it off early, but have never done it before! Right now I'm at a 787 after the hard pull for the mortgage! Can you provide some guidance as to the next step or perhaps how soon should persuit this! We will have about 14k equity going in in the house, but would rather use a personal line of credit instead of a Helloc! Can I get your thoughts?

[@abiruivivar7914]

Please po pppo

[@drakeecrazy9002]

Capital one is giving heavy increases right now.. really big.. I always maxed out the card and always paid it n full before the statement date..

[@vturner]

are you in the states or Canada?

[@drakeecrazy9002]

United states

[@winterrose9811]

Let me go see cause they always deny me

[@winterrose9811]

@@drakeecrazy9002 I just asked for an increase. Lol they increased it by $150.00 lol

[@myrontaylor1150]

April fool in June Capital One is the stingy card

[@carmeusjacob]

I keep getting denied. Nobody at capital one seems to know the reason.

[@newsnowadirondacksredux360]

Capital One doesn’t increase your limit above $4,900 if it stated as a Platinum Card.

[@ashihtzu5177]

stuck at 3500 for QS with an 790+ FICO. wont even increase it by $500 for a one time purchase, "utilization is too low" so using the card responsibly and using it for groceries, subscriptions and gas and paying it off is bad so the limit I have is "good enough". Amex gave me a 7k+ limit on a new card, the new BCP fills all the uses that the quick silver was doing and better cash back on all of them.

[@josephferrara9794]

It's either your credit report, card utilization, or income to debt level how long you had the card... Guarantee it's one of those 4

[@carmeusjacob]

@@josephferrara9794 they claim that they can't verify my address, but I have 4 capital one cards with the same address.

[@kevinfogarty5081]

If for example a person has a credit limit of $1,000, and they use the full cards limit each month but make payments weekly and pay the card off in full each month, how will that impact credit score and possible increases in credit? In other words, if a person uses their credit card like a debit card each month paying every transaction in full each week, can they still get an organic credit increase? Sorry, hope my question is making sense 😂

[@ReMz10184]

Yes. But don't keep maxing it out. Just run up to 30-50% at most and pay it off in full.

[@myrontaylor1150]

Yes you don't want to max it out and pay it in full because they may think that it will be a time that you are not able to pay them back

[@powwowtrip5748]

Max out pay before Bill dead line not payment date and your credit score ncrease will probably jump triple in a couple of months depending on what card you have. I had a cap one platinum with $1000 and bought a iPhone and payed it off and they doubled my credit line in the second month. But don’t carry a balance treat the card like a charge card.

[@ayamaikarim]

You charged your card today, pay next day, do note that credit bank issuers might allow 4 times only till the statement. Make sure all charges are being paid before the new statement comes out. Don't leave any balance on every card over 10% before the statement comes out. The unsecured credit 💳 you have, don't use it to support your life style, it's only to be used to receive cash back or travel points or emergency. Something you can not afford, don't buy with credit card. Being in debt is no fun. Your Credit Score is far more important than credit increase for car loan or mortgage.

[@salmatasheik6736]

I don’t ask for credit limit increase they always offer me n if I know I need it then I take it.

[@Jason_The_Man]

This is the one thing that is killing me. Most of my cards have lower limits. I’ve had 2 raise my limit by approx 50%. The one I use most to earn cash back has not raised my limit. I keep having to make multiple payments to avoid upping my utilization.

[@locatv490]

You probably have to many inquiries and or not having a balance report to your credit at a 10% the means if your credit limit is $500. You can used it but before your bal is send to the credit u pay n leave the bal at $50.(know when you billing cycle close n drop the balance 4 days before so when they send da report u have a low bal) The would boost your point n earn trust to give u more credit limit.

[@raiden3013]

have you done calling them and asking for an increase? ive done it for myself and got a lot of my limits almost double or more.

[@CapitalG222]

Very informative. Thank you.

[@Splenda2021]

Great info needed thx

[@jamesmoore8873]

Credit one has only given me one in 2 years this is now my drawer card

[@Tristen_Smith]

Close that junk

[@Phizzo4real]

@@Tristen_Smith absolutely... they suck.

[@Tristen_Smith]

@@Phizzo4real yeah unless….it’s your first credit card and your score is low

[@phillipdeck933]

I had about 10 increases from Credit one. I had the card for 9 years.

[@belenvelez7028]

Is it beneficial to pay the amount you charged that month in your credit card?

[@tianahyatt4424]

Yes, you want to keep your utilization percentage under 30%. Paying on your cycle end date will also boost your credit score.

[@shoppinghandbagqueen5662]

Thank you so much for sharing this information

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@Anthonyjones-pq4ff]

Adam I don’t ask for credit incase because of the hit just like the inquiries have too many

[@phillysipha]

Some companies only do soft pulls

[@MrDrMeow]

@@phillysipha most companies only do soft pulls

[@veteran31pb]

Im scared to ask for an increase with capital one only because i was in the hole with them early last yr. 🤔

[@quikjfpv1665]

You're fine. Cap1 is super forgiving. CLI requests are also a soft pull so there's no harm in asking.

[@royzeus9969]

The worst they can say is no. It’s a soft pull so no brainer. 💳

[@veteran31pb]

@@royzeus9969 yea i was declined.

[@royzeus9969]

Not cool..Give it some more time.

[@MyKingHisQueen]

@@veteran31pb Capital 1 is real stingy SMH... Have a secured card for about 3 yrs still at $600 DEFINITELY ABOUT TO CLOSE THAT AND GO TO ANOTHER COMPANY

[@brianpollard6785]

Great information! Thank you for sharing!

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@RD-nc8xt]

I have Amex Delta Gold. I could not find a link on the site? Or am i not looking for it correctly. Any suggestions?

[@WaterYourSoil]

Which site are you referring to?

[@RD-nc8xt]

@@WaterYourSoil I went to Amex direct site . I logged into and i cannot find where i can request a creditine increase.

[@WaterYourSoil]

@@RD-nc8xt Go to Account Services Home

[@RD-nc8xt]

@@WaterYourSoil i sure did go to account services and i still dont see it lol

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@fabiocreator9251]

THANK YOU SO MUCH!!

[@mranderson8725]

The guy is the boss

[@ProudMoney]

Thanks!

[@mranderson8725]

@@ProudMoney you’re welcome

[@garrymyers8459]

Good stuff. thank you

[@nevtube15]

Thanks ..good to know information...

[@22koga]

Citi is a good card

[@GoldThumbGardens]

Great video. Thanks.

[@Tierhog774]

I'll let Chase organically give me increases. If they ignore me after 50k spend, I'll downgrade the card while applying for AMEX Gold or Plat. Just downgrade the stingy card and redirect to a more open, growth oriented one. The downgraded card can be just for cashback.

[@davidschiller1097]

its best to wait for the credit card to offer u a CREDIT LINE INCREASE

[@mitchellmullins6650]

I have 6 credit cards. The 3 lowest are limits of 300 dollars. I can pay them off in about a month. Should I do that then cancel them in hope of a better oppurtunity or keep them and basically not use them? Just wondering. Oh, I`ve only had them about 4-6 months

[@631knm]

Don’t cancel them. Your credit score drops when you close credit cards.

[@jesussalomon3598]

DEFINITELY don’t cancel if they don’t have a yearly fee. Building credit is a patient man’s game. Keep paying them off and never use more than 10% of each card limit (unless you have to, of coarse).

[@isabell.etkind9765]

Interest rates are really high. It is risky to charge more than you can pay off immediately. If you must finance the purchase, paying it off as quickly as possible is to your benefit.

[@mitchellmullins6650]

@@isabell.etkind9765 I get that. Since 4 months ago, I paid off the lowest cards and cancelled them. I replaced them with higher limit cards. I`m on SSI. In my checking account each month I get 541 dollars. My electric bill due in 10 days is 398 dollars. WiFi 62.20 and phone about 34 dollars. Rent is 300 dollars hence only getting 541. Leaving 50-75 dollars. Not much to eat on or buy neccesities unless I use plastic. Thanks though

[@isabell.etkind9765]

@@mitchellmullins6650 LIHEAP may help with your electric bill. The information is usually in the small print on the bill.

[@joshnadamproduction]

Ask for an increase every 3 months not 6 months as long as you are paying off youre balance on time every month. For most credit cards

[@gf1507]

I opened a new credit card (Everyday Blue) with AMEX in January of 2021. I was going to ask for a credit line increase after 60 days (March) and then open a new card (Hilton Honors) in June with a credit line increase on that card in September. Should I skip the credit line increase on the first card and save it for the second? Will opening a new card between credit line increases within a year, cause my request to be declined?

[@ProudMoney]

Depends on how much other credit you have, but you might be pushing it asking for more credit from the same card issuer every 3 months.

[@gf1507]

@@ProudMoney Perhaps I'll wait till May to apply for the new card and then December to request the credit increase. Thank you for the good advice.

[@ronaldorr9567]

Amex will determine max exposure; total credit between all lines with Amex. You can spread credit between lines. I have 15k Surpass and I want the card to reach at least 25k, so I don't want another account.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@dazelasvegas]

Last time I asked capital one I got $100 lol 4 months later they boosted it another 2k

[@stephannieq2837]

That's cool. At least you get $100 increase. Keep getting denied when I asked Cap1 for one. it always the same excuse from them each time. (side eyed)

[@ibleedgreen9304]

They auto increased me that same 100 after 6 months. Declined my next request saying it was too soon. Didn’t realize it had to be 6 more months after that increase

[@SahFeirce33]

Capital 1 started me with 300 CL, 6 months 500 increase, 600 CL, 700 CL, 800 CL now I have 2,300

[@edgardorodriguez]

What i do with chase I move credit limit between cards.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@22koga]

I have $10,000 dollar cards and Capital One wont give more then $750

[@alexc2265]

than*

[@marcosburgos8491]

Same here 😂

[@jessicaadkinson8553]

Amex did the same to me

[@stephannieq2837]

Cap1 and AMEX does not give cl increases substantially. have 5 cards between the two with low limits. oh well.

[@carameltones1]

Awesome information

[@alexandravelazquez4306]

Time stamps would have helped the video a bunch

[@mitchell.9632]

He used to just paste an image from the video for the thumbnail and also had less word graphics in the past as well. It may take a few years for that change.

[@ProudMoney]

decades more likely

[@magellanmax]

@@ProudMoney 😂 Not a bad way to start a Monday.

[@ZestyLemonBoi]

Brilliant!

[@amarigrant]

Yet another awesome and informative vid 👌 you the best!

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@marykrystal821]

Losing a job affect the credit card score. I was out of work for three years. I could not pay my bills. Had to sell my condo to pay my creditors, my frudbdrand family that loaned money. I've been employed three years now and bought another condo two years ago, but my credit score still bites. ( DO NOT OVERCHARGE)!! several of my account we're closed by credit card companies. It's impossible to know what will happen today or tomorrow because I believes my credit card will remain the same forever and after several credit card repair companies failed but on KZbin here I got recommend to hackerdrey08 can't say it all. But these guys saved my life. They're highly recommended you can even massage him on Instagram hackerdrey08

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@projectjt3149]

Turns out that 6 month rule you’ve brought up is usually how long a STUDENT Credit Card automatically increases their credit limit

[@elfonzo18]

Good advice

[@wbaiey0]

Nice. Super informative.

[@joseRodriguez-pk9ld]

Is it bad to have 3 different credit cards by the same bank !?

[@jesussalomon3598]

Not an expert, but I would say definitely not. Especially if you are doing everything right, you’re building a good reputation with them.

[@joseRodriguez-pk9ld]

@@jesussalomon3598 awesome thanks!!

[@phillipdeck933]

@@joseRodriguez-pk9ld my wife has three and I have three from capital one total 6 accounts, no problems

[@joseRodriguez-pk9ld]

@@phillipdeck933 fr I should be good then lol thanks!

[@KimKim-dj9fh]

Dang it, this the second time today somebody mentioned Bob Ross lol

[@angelreyes3235]

Great video. This is the information I was searching for.

[@ProudMoney]

Great, thanks!

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help

[@adesinaoluwasegun4352]

I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy

[@hossnyelsaid3390]

Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man

[@1jicks]

Correct me if I am wrong but us bank is HP.

[@AverageReviewsYT]

Hewlett-Packard

[@roxcyn]

The sent me two offers to apply for credit limit increase. They were both soft pull.

[@1jicks]

@@roxcyn i havent gotten any offers i know if you request a CLI its a hard pull. but offers on account are soft.

[@mikeceballos5350]

I just got my credit fixed with the help of Hackergold02 on instagram I had a very good experience with those guys. They were very easy to communicate with and did a good job in settling my debt.I would definitely recommend then to anyone needing help with debt settlement and excellent credit repair, thank you Jesus Christ for the help.

[@PrincessMeganElsaBoo]

I just got Approve for credit card login! ♥️ ♥️

[@TheRenaissanceAmazon]

Asking for a credit limit increase every 3 months is fine.

[@b566t3]

How much money do you half to make to get a 5k limit

[@b566t3]

@Vaping Gambler amex what???

[@b566t3]

@Vaping Gambler ok right on for the info 👍🏽👍🏽👍🏽 much appreciate it 🍻🍻

[@ethanbarthelemy1936]

If I close my account with a 0 balance, will it effect my credit?

[@pamlatimer4950]

Yes, do not close your account. Put $20 a month on it and pay off right away. Will show that you know how to handle credit and your utilization will always be great.

[@ITIRICI]

It could change your age of accounts along with revolving credit limit among all cards so you would have less credit available to you even IF it is 500 dollars, it would make a difference and score would drop for a short period of time.

[@whothou]

closing an account of any kind will affect your credit... Either credit length or average credit length. Ideally you should try not to close cards.. HOWEVER, if you have a card with an annual fee that you are not using AT ALL.. Definitely don't be afraid to close it because netting negative value is something we want to avoid on any card. - Definitely try to keep your oldest card open (sometimes this may be a secured card or something basic depending on when or how you started your credit card journey) - if the card has no fee definitely try to use it time to time as it's always gonna net 0 at the minimum... If you really really really do not plan to use the card and want to not have to manage it then sure. Un-used cards will sometimes just get closed by the issuer if it goes un-used for like 6 months or so. But definitely if you do plan to close an account make sure there is no balance (and that you used up all your rewards or cash back)

[@Esignn]

Pay of a car lease. And get a new car lease and you are penalized! it's crazy.

[@klah2u]

What about Apple credit card

[@dejiavu269]

I have and love it they increased my limit from 2000 to 4000 in Four months but the benefit only really comes from if you use Apple Pay…. So it’s great if you use apple pay