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  1. #1
    I like reptilian beef backinbusiness's Avatar
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    Would Wells Fargo increase my credit limit?

    I have their student visa credit card and right now my limit is $500. I opened it up in October and have probably used a good $2000 worth of stuff on it and paid it back instantly.

    Think I could get my limit raised?

    I want to get my car worked on this weekend and I would feel much more at ease knowing I'm not risking reaching my limit (currently have $200 that could get charged anytime (yes dell backorder))
    If you weren't a part of my struggle, don't expect to be a part of my success.
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  2. #2
    I like reptilian beef backinbusiness's Avatar
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    bump
    If you weren't a part of my struggle, don't expect to be a part of my success.
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  3. #3
    Jew Crew Member Darkwatcher758's Avatar
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    I worked in the mortgage industry for quite a while and I can honestly say that its the fact that you pay it on time rather then pay the full thing when due or even pay whenever you have the cash.

    credit industry looks for commitments for long term.

    ====

    I had a 500 credit when I started, I now have 2 credit card with about $4500 on each.

    On top of that I have a loan for a car I bought 2 weeks ago and a loan for cosmetic surgery I have. It's all about planning. Ask yourself do you need the credit line?

    Organize your income/expense.

    needs vs wants and expect your credit score to grow.
    "Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful."
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  4. #4
    I like reptilian beef backinbusiness's Avatar
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    Well if I want to make sure I can afford to get my car fixed, I will need to get my limit increased.

    I just don't want to end up with my debit card with 0 money in it.

    And yes when you say pay it off, I charge my credit card then pay it off within a week. Longest I have gone is 2 weeks cos I was waiting for my paycheck.
    If you weren't a part of my struggle, don't expect to be a part of my success.
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  5. #5
    Registered User Dirk Diggler's Avatar
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    Assuming you don't have negative credit history, I don't see why they wouldn't. If not, just apply for a new card.
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  6. #6
    I like reptilian beef backinbusiness's Avatar
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    Originally Posted by Dirk Diggler View Post
    Assuming you don't have negative credit history, I don't see why they wouldn't. If not, just apply for a new card.
    Nope so far I have perfect. Never even come close to the minimum payment day.
    If you weren't a part of my struggle, don't expect to be a part of my success.
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  7. #7
    Registered User Dirk Diggler's Avatar
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    Originally Posted by backinbusiness View Post
    Nope so far I have perfect. Never even come close to the minimum payment day.
    That is a very small credit line. You should be able to easily raise it. It may be easier to apply for a new card.
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  8. #8
    I like reptilian beef backinbusiness's Avatar
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    Originally Posted by Dirk Diggler View Post
    That is a very small credit line. You should be able to easily raise it. It may be easier to apply for a new card.
    Well applying for a new card doesn't help my credit score...and also I want to try and keep the same credit card for a long time to get my score high.

    I would be perfectly happy if they would give me a $1000 limit. I'll call them tomorrow and see.

    Reason is that I am getting my car looked at by a mechanic on Friday...so getting a new card isn't possible right now. Late notice on it I know, but I just realized that I will be getting close to the end of my debit card as I'm going up north to see my girlfriend.
    If you weren't a part of my struggle, don't expect to be a part of my success.
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  9. #9
    Registered User Dirk Diggler's Avatar
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    Originally Posted by backinbusiness View Post
    Well applying for a new card doesn't help my credit score...and also I want to try and keep the same credit card for a long time to get my score high.

    I would be perfectly happy if they would give me a $1000 limit. I'll call them tomorrow and see.

    Reason is that I am getting my car looked at by a mechanic on Friday...so getting a new card isn't possible right now. Late notice on it I know, but I just realized that I will be getting close to the end of my debit card as I'm going up north to see my girlfriend.
    Just don't close that card and your credit won't be affected. I have several credit cards and an excellent credit score.
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