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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.
@@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.
@@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.
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
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).
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
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.
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.
@@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.
@@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?
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
@@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%?
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!!
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!!!!!!!
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.
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.
@@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!
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!!!
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
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%.
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.
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.
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.
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.
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
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.
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.
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.
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
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 😂
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.
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.
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?
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.
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
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
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
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 TH-cam 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
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?
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
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).
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.
@@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
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
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.
I open Amex not too long ago n waited 3 months to ask for CLI and I was also aware ppl have ask for 3x there credit line but I felt it was too much and only just ask to double and walla i got approved!!yay!!🤗
@@sotaehyung1132 Ok Good news That's a good increase!! I have a AMEX and I started at $1000 got it in December waiting to get an increase might just ask for One in a month or So?!
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.
My capital one card went from $750 to 3250 in three months. When you ask for and increase just lie and say you make 80k or more a year. I learned this from a Indian coworker and it worked. I love my capital one card.
"Lie about how much money you have and they will give you more!" That sounds moderately like fraud. on the other hand, 3250 credit line with 80k income also sounds crap....
This. 👆This is what’s wrong with this country. “Lie about your income so you can borrow more money! WHOOP WHOOP ! YoLo!”.... Jesus Christ.. You are the reason credit scores exist.
Also gives you the opportunity to spend the exact same amount of money whilst having a lower credit utilisation, enabling you improve your credit score and get a more competitive rate of mortgages, loans etc.
@@joshnellis7057 let's go all the way to the source, The Fed! There is nothing Federal about it and basically this "monetary" system is completely made up. Moving numbers around digitally w/o any $ changing hands. Where's the actual $? Rhetorical question of course!
@@Phizzo4real I currently have a $500 quicksilver and I would love to get an increase can you please tell me how you used it? I would like to know should I pay off leaving a zero balance are should I let something report like 8 are 9 percent?
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
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.
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
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!
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.
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.
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
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!!!
@@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
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.
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?
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.
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
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.
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Ok
9:40-45 THAT IS DEFENATLY ME.
This guy is the Bob Ross of credit cards
Happy Little Cards
Let's just paint a happy little score here
Oh dude 100% it’s crazy that he’s not higher on the list of youtubers. Well thought out videos
He does paint a nice canvas with credit 😂😂😂
Definitely has the voice for it. Calming voice to listen to
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
Apple almost tripled in 2 years from 4K to 11.5k however Amex and Cap one has barely risen in 3 years
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.
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.
@@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.
@@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.
Apple credit card is awesome when it comes to credit limit increases! I'm at 13K
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
I highly recommend you to hackerdrey08 On I G his very fast affordable band trustworthy
Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man
Capital One isn't just stingy, they will make things up to deny those increases.
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.
@@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.
I have never in my 50 year life asked for an increase! Always get way more than I need!
How many children do you have?
Remember new cards and inquiries do lower your FICO.
However, 60-90 days of good payments will normally bring you back up!
Mannnn I’ve had the chase sapphire preferred for 3 years!!!!!paid off everything every month on time.. still no limit increase
Me too. I just got one this month which was shocking. That’s after 5+ years
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
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!
You want your average age of cards to be old, and a new card makes that worse though
This is EXACTLY how CapOne operates!
Cap 1 said the same thing to me, they're stingy AF!
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).
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
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.
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!
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.
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.
@@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.
@@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?
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
oh thanks for the heads up. I have Best Buy card from Citi. I will keep an eye out for it
Yep. They did it me and they told me they were monitoring my accounts with other creditor. Nosey pricks. 🙄
@@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%?
@@Sloba1992 I got a car loan. They didn't like that.
@@DarknessFalls29 ok 👍
Capitol One is stingy. Good luck asking for an increase.
True that. I swear!!
Yeah they told me no yesterday.
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!!
My bad,dude!!lol
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!!!!!!!
Forget capital one. I been a loyal customer no increases l gave up l stick with other cards that gives me increases regularly
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.
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.
@@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!
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!!!
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
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%.
I just paid off my car loan and was docked 15 points. It sucks
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.
@@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
Chase may count CLIs under 5/24 also
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
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.
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.
I got a delta skymiles platinum from amex but they didnt do a credit pull...
im glad you did this because I was trying to figure out how and why I was being denied
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.
I thank you for all you great advice ADAM👍
Thanks for watching!
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Thanks to everyone who post Hackerdrey08 on Instagram just received my credit card from him Thanks Man
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
Credit one has only given me one in 2 years this is now my drawer card
Close that junk
@@No_Fap_Hey_Zeus absolutely... they suck.
@@Phizzo4real yeah unless….it’s your first credit card and your score is low
I had about 10 increases from Credit one. I had the card for 9 years.
I don’t ask for credit limit increase they always offer me n if I know I need it then I take it.
Another great 👍🏾 vid, thanks 🙏🏾 for the info
Thanks for watching!
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.
That is bank specific. Many dont.
No...you are incorrect.
Not true, I was just granted a limit increase without a hard pull
@@Westcoaststyling did you request it or did the company do a soft pull and do it automatically?
NEW SUBBIE ALERT 🚨. Love your content!!
Thanks!
Love these videos.
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..
are you in the states or Canada?
United states
Let me go see cause they always deny me
@@drakeecrazy9002 I just asked for an increase. Lol they increased it by $150.00 lol
April fool in June Capital One is the stingy card
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.
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I keep getting denied. Nobody at capital one seems to know the reason.
Capital One doesn’t increase your limit above $4,900 if it stated as a Platinum Card.
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.
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
@@josephferrara9794 they claim that they can't verify my address, but I have 4 capital one cards with the same address.
Last time I asked capital one I got $100 lol 4 months later they boosted it another 2k
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)
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
Capital 1 started me with 300 CL, 6 months 500 increase, 600 CL, 700 CL, 800 CL now I have 2,300
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
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 😂
Yes. But don't keep maxing it out. Just run up to 30-50% at most and pay it off in full.
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
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.
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.
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?
Great information! Thank you for sharing!
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Time stamps would have helped the video a bunch
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.
decades more likely
@@ProudMoney 😂 Not a bad way to start a Monday.
Thank you so much for sharing this information
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Great info needed thx
Asking for a credit limit increase every 3 months is fine.
I have $10,000 dollar cards and Capital One wont give more then $750
than*
Same here 😂
Amex did the same to me
Cap1 and AMEX does not give cl increases substantially. have 5 cards between the two with low limits. oh well.
Dang it, this the second time today somebody mentioned Bob Ross lol
Good stuff. thank you
Great video. This is the information I was searching for.
Great, thanks!
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Yet another awesome and informative vid 👌 you the best!
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Brilliant!
Adam I don’t ask for credit incase because of the hit just like the inquiries have too many
Some companies only do soft pulls
@@phillysipha most companies only do soft pulls
Good advice
Nice. Super informative.
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
there are some credit cards on amex not jsut charge cards
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?
Please po pppo
Is it bad to have 3 different credit cards by the same bank !?
Not an expert, but I would say definitely not. Especially if you are doing everything right, you’re building a good reputation with them.
@@jesussalomon3598 awesome thanks!!
@@joseRodriguez-pk9ld my wife has three and I have three from capital one total 6 accounts, no problems
@@phillipdeck933 fr I should be good then lol thanks!
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
Don’t cancel them. Your credit score drops when you close credit cards.
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).
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.
@@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
@@mitchellmullins6650 LIHEAP may help with your electric bill. The information is usually in the small print on the bill.
What about Apple credit card
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
very good
You help me
Correct me if I am wrong but us bank is HP.
Hewlett-Packard
The sent me two offers to apply for credit limit increase. They were both soft pull.
@@roxcyn i havent gotten any offers i know if you request a CLI its a hard pull. but offers on account are soft.
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I should've watched this video before and went and asked for credit limit increase on all of my cards🤦🏾😭
Chase slate I am at 500 balance is 10 dollars . I asked for a credit line increase and got refused smh 🤦🏿♂️ hard full credit score like 670.
I open Amex not too long ago n waited 3 months to ask for CLI and I was also aware ppl have ask for 3x there credit line but I felt it was too much and only just ask to double and walla i got approved!!yay!!🤗
How much did You start at and what was the new limit You got?!
@@MyKingHisQueen I started at 7200 and ask for 15k.
@@sotaehyung1132 Ok Good news That's a good increase!! I have a AMEX and I started at $1000 got it in December waiting to get an increase might just ask for One in a month or So?!
Hard or soft pull?
@@EdgarandMJBowls it was a soft pulled
What about Navy Federal?
I had a navy federal card 8yrs ago... 10k credit line... i maxxed that baby out and disappeared 🤣😂
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.
How much money do you half to make to get a 5k limit
@Vaping Gambler amex what???
@Vaping Gambler ok right on for the info 👍🏽👍🏽👍🏽 much appreciate it 🍻🍻
My capital one card went from $750 to 3250 in three months. When you ask for and increase just lie and say you make 80k or more a year. I learned this from a Indian coworker and it worked. I love my capital one card.
Was the fact that they were Indian help?
"Lie about how much money you have and they will give you more!" That sounds moderately like fraud. on the other hand, 3250 credit line with 80k income also sounds crap....
@@GWJUK the fact that I talk to different nationalities helped
This. 👆This is what’s wrong with this country. “Lie about your income so you can borrow more money! WHOOP WHOOP ! YoLo!”....
Jesus Christ.. You are the reason credit scores exist.
@@tomd5180 my credit card limit is at $5000 now. Trust me, I’m not the reason it exists, the people who borrow but doesn’t pay is the reason.
A higher credit line gives you the opportunity to spend more money that you don't have.
Only the weak will fall victim to this☝
Or it gives you access to more capital to leverage what you want to do in your life to make more money
Also gives you the opportunity to spend the exact same amount of money whilst having a lower credit utilisation, enabling you improve your credit score and get a more competitive rate of mortgages, loans etc.
If that's how you think, then you should cut up all your credit cards immediately and go follow Dave Ramsey.
Great video
Who is Bob Ross??
An artist that had a tv show that taught people to paint.
"Happy little trees."
greedy for credit..
I'm not going to ask.a bank for credit card ,I rather a credit company
You do know the credit card companies are all owned by banks right?
@@joshnellis7057 / I wasn't aware.
@@joshnellis7057 let's go all the way to the source, The Fed! There is nothing Federal about it and basically this "monetary" system is completely made up. Moving numbers around digitally w/o any $ changing hands. Where's the actual $? Rhetorical question of course!
It’s not called a credit line, it’s called a credit limit
Credit cards are a type of credit line
If your card limit is $500 you should probably just use it to buy tight rope and plastic chair.
It might not be enough for a sturdy chair
I started with 300 credit Lilit now I ve been approved Wells Fargo 6 k , Suntrust 6400 and Apple Card 2 k .
@@florshivers7379 Me too... CapitalOne Platinum (500 limit) - converted to a Quicksilver card with 2500 limit a year ago.
@@Phizzo4real I currently have a $500 quicksilver and I would love to get an increase can you please tell me how you used it? I would like to know should I pay off leaving a zero balance are should I let something report like 8 are 9 percent?
@@Phizzo4real how long does it take?
I got 3 limit increases yesterday. All soft pull on zero balance cards.
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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
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
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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.
Is that 100k just on one card or over multiple cards? If it's just one, which one did you go with?
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
Capital One stinks for increases also
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.
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!
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.
Hi, in my experience discover IT, will accept a 3 month interval between credit limit increases. Currently at $26,000 limit.
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.
Is that the same for new accounts?
Dang... how long have u had Discover? Im going on 1 year and still at 5K
What do you put on credit app if you are retired you said never list that
Yardwork? Landscaper. Work around the house? Home improvement. Move furniture around? Interior decorator. Make a cup of coffee? Barista
My creditors don't increase it automatically, but they do ask if I'd like to increase it.
I've been asked to do an income update by my bank , will that help to get a credit line increase?
The guy is the boss
Thanks!
@@ProudMoney you’re welcome
When applying for a new card, check for sign.up bonuses if available.
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
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I never ask, they just bump up my limit by $5000 every year to 1 1-2 years
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?
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!!!
Great info especially on the inquiries.
Citi is a good card
A treasure trove of information, thanks for another great video
Im scared to ask for an increase with capital one only because i was in the hole with them early last yr. 🤔
You're fine. Cap1 is super forgiving. CLI requests are also a soft pull so there's no harm in asking.
The worst they can say is no. It’s a soft pull so no brainer. 💳
@@royzeus9969 yea i was declined.
Not cool..Give it some more time.
@@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
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.
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?
You would request the credit increase from Navy Federal. In that case Amex is just the card processor, not the issuer of the card.
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.
👌🏾👌🏾👁👃🏽👁👍🏽👍🏽Always good to listen to your videos
Very informative. Thank you.
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
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.
its best to wait for the credit card to offer u a CREDIT LINE INCREASE
Citi will increase without asking- but if you ask less than 6 months apart you will be denied