When’s a good time to ask for a credit limit inc? Been with CSR for 5 months and score is 769, wanna ask for an inc from 15K to 50K but they have to do a hard pull on my credit

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15 to 50?? With a score under 800??

Good luck man, but you’re really going to want to lower your expectations.

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LEK, sorry, but I very much disagree here. In order to qualify for a low interest rate on my home, I had to be above 770.
For someone to ask for a ~150% increase in credit after 5 months without stellar credit is just not realistic.

And over 750 isn’t worth bragging about unless you are comparing yourself to the average...which is crap.

Chase is inconsistent about this and rarely does increases of that size (anecdotally). I would ask at 1yr OR when you have a larger CL with another company's card and tell them you want to shift usage to your Chase card.

If you're looking to build your credit score through utilization ratio, I'd get a Citi card or 2. You can request CLI every 6 months without a hard pull, netting you 2-3k per request depending on your shared income data and total CL for the card. I have 45k CL across 2 citi cards after 5 years of soft pull CLI requests. I leveraged one of these to jump a USAA card from 6k to 24k and my Chase Freedom from 6k to 12.5k. Total CL is a bit north of 100k, with my Freedom and CSR the lowest.

Hope this helps!

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Thanks!

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I would wait a year. Credit line increase is mostly based off income and utilization / available credit not just credit score (eg if you make 100k, you’re not going to get a 50k limit regardless of how good your credit score is), though a good credit score is also a minimum threshold for increases.

Hope this helps!

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Thanks! What kind of inc do you think I should ask for in that case?

Funny story.. Amex screwed up and increased my credit limit from $20k to $50k.. credit score increased like 30pts.. then those mfs send me a letter like sike our mistake only meant to give u $10k more 😒credit score dropped lmao

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