Credit reports

[Irving]

I don't believe that requesting a higher limit counts as a hard inquiry. Remember that doubling your available credit helps your debt:available credit ratio way faster than making payments of any amount.

[Irving]

I don't believe that requesting a higher limit counts as a hard inquiry. Remember that doubling your available credit helps your debt:available credit ratio way faster than making payments of any amount.

I recently requested a credit increase in my Chase card and they said it was a hard inquiry. They also instantly approved me for a $2,000 increase. I told them that was nice but I wish they would have talked to me first since I was looking for much more of an increase than that. She said I could apply for my requested amount, but it'd be a separate hard inquiry so I'd have two back to back. That pissed me off. I called my other credit card and asked up front to double the limit and they applied for me. The next day they called back with a counter approval that was pretty much the same as the first, but at least explained that the reason was that they don't like to go past double your monthly income (based on what you tell them with no verification). I was fine with at least having an explanation. Use your household income of you want higher limits I guess.

None of this is relevant as I only came here to post this article that says that I've you get over 750, going higher doesn't really do anything for you. Someone may have already mentioned that in this thread.

https://www.usatoday.com/story/money...te/1577225002/