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Low Credit Limits

Microsoft cliffbar🧗🏻‍♂️

Dec 29, 2018 65 Comments

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My credit limits:

BofA - $1500
Discover - $3000
Amex - $8000

Loans:
Car Loan - $5k

I spend on an average of $1500 - $2000 every month on credit cards and pay them immediately.

Credit Score on Credit Karma - 785; Been in the US for 3+ years, never missed a payment. I tried to get a credit line increase from discover but they increased it to $3300. How can I increase my credit limits?

TC: $180K

1 65

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TOP 65 Comments

Intuit ❗️⁉️❓‼️

Why do people care about having high credit lines? I have around 10k in credit and very rarely come anywhere near my limit.

Dec 29, 2018 1 13
- New / Eng AussieSWE
  
  Do you have a financial advisor?
  
  Dec 29, 2018 0
- Microsoft / Eng Tier 1
  
  No those are a scam
  
  Dec 29, 2018 0
eBay randomacct

Have you updated your annual income on the credit card sites? But also, why do you want more credit? I have 25K of credit but I never go over 4000 and I pay it off every month

Dec 29, 2018 7 3
- Microsoft richardhea
  
  Pay off your balance a few days before statement close date - that should drive your utilization close to zero. Then again, you should be able much higher limits as it is.
  🍆
  
  Dec 29, 2018 2
- eBay / Eng mDBW53
  
  It keeps your utilization lower. Having a very high credit limit with low usage makes you look like a very stable professional. The kind of person you’d trust with a $2M low interest loan payable over 30 years.
  
  Dec 30, 2018 0
Facebook / Product oooooops

Get multiple credit cards from the same company and then merge the credit limits into an account.

I've been doing this over the years and now have 250K+ in available credit and I keep my utilization at 1%

Dec 29, 2018 7 2
- Microsoft cliffbar🧗🏻‍♂️
  OP
  
  Have two cards from BofA and both combined give me $2500
  
  Dec 29, 2018 0
- American Express TPxG05
  
  Limits are determined at a customer level based on your debt capacity irrespective of number of cards, so this wouldn’t work. Having said that, all major banks have proactive line increase programs based on your usage/ behavior.
  
  Dec 29, 2018 0
Lyft aWBv38

Depends on lender. I've noticed institutions where I had accounts as grad student with 25k income are less likely to give high limit. Try a new institution?

Dec 29, 2018 2 4
- Databricks Vjsmwx
  
  O.o Lyft employee got an Uber card
  
  Dec 29, 2018 1
- Lyft aWBv38
  
  Mercenary AF
  
  Dec 29, 2018 0
Facebook public2

Call every 6 months and request a credit increase like every other adult on the planet.

Dec 29, 2018 5 1
- LinkedIn tar-cfz
  
  This
  
  Dec 30, 2018 0

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