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One credit card company that I deal with has been horrible for giving me more credit when I really probably shouldn’t be getting it. In the past, every time I was almost maxed out, they’d give me a surprise increase. Then I would max the card out again. Then they would give me another increase. While I don’t blame my credit cards for my debt - they made it pretty easy to get in my situation with this viscious cycle.
Yesterday, for giggles, I decided to see if that company would give me a credit line increase. All you have to do is go online and request one. You don’t even have to speak to an operator. Almost immediately I had my answer…
Credit line increased by $2,300.
I did accept their offer, because increasing my total available credit will decrease my debt to credit ratio and that will help my credit score. I am trying my best to raise my score so I can land a wonderful 0% credit card offer shortly.
I’ll take their rope now, but instead of having it sink me further into debt, I am going to use that rope to climb out of it by increasing my credit score.
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Credit Card Debt
- Starting = $37,614
- Paid Off = $28,882
- Current = $8,732
- $25 ING Savings Bonus
Savings Account
- Current = $4,000
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Posted: February 11th, 2007 at 4:27 pm
[...] Blogging Away Debt was able to easily improve her credit report by getting a higher credit limit on a card with just one click. J.D. from Get Rich Slowly says it’s OK to splurge sometimes. [...]
Posted: February 11th, 2007 at 4:52 pm
Remember me when you go for that 0% balance transfers…
Posted: February 13th, 2007 at 3:32 pm
[...] 1mil presents 10 Ways to 1-Up Your Credit Score posted at Millionster.com, saying, “How to improve credit score. My most popular article! =) Tricia presents A Simple Click and My Credit Card Gave Me Some More Rope posted at Blogging Away Debt. [...]
Posted: February 15th, 2007 at 5:14 pm
After being out of debt for 1 year and 1 month, I tried the click for increased credit limit without a credit check. What did it yield you ask?
my old credit limit was $4,500. After clicking it skyrocketed to an amazing $30,000. This was without a credit check. I presume that I could have received more (if I really wanted it), if I had submitted for a credit check.
Posted: March 5th, 2007 at 10:04 am
[...] Then I would max the card out again. Then they would give me another increase.” Tricia presents A Simple Click and My Credit Card Gave Me Some More Rope posted at Blogging Away [...]
Posted: April 20th, 2007 at 5:00 pm
[...] saying, “How to improve credit score. My most popular article! =) Tricia presents http://www.bloggingawaydebt.com/2007/02/a-simple-click-and-my-credit-card-gave-me-some-more-rope/”; >A Simple Click and My Credit Card Gave Me Some More Rope posted at That concludes this [...]