discover card credit line increase == precursor of account close?# Money - 海外理财
j*2
1 楼
Somebody mentioned that Discover will increase your credit line limit before
closing your account. That may not be true based on the information from
their website:
Your credit limit may increase over time as you build a steady track record
of paying your bills each month. Make sure that you keep your total charges
well within your credit limit. Why? Your credit score may be affected if
your balance is above the credit limit because it signals to creditors that
you may be having financial difficulties and thus are a riskier borrower.
Some credit card companies, however, offer electronic and/or mobile
reminders to let you know when you’re nearing your limit.
Your credit card company may raise your credit limit without you requesting
them to do so. However, you may have to call your company’s customer
service number to ask them for an increase. If you have a history of paying
your bills on time, a credit card company is more likely to raise your limit
to accommodate you, though the increase may be small. This may help you
avoid overextending yourself financially.
closing your account. That may not be true based on the information from
their website:
Your credit limit may increase over time as you build a steady track record
of paying your bills each month. Make sure that you keep your total charges
well within your credit limit. Why? Your credit score may be affected if
your balance is above the credit limit because it signals to creditors that
you may be having financial difficulties and thus are a riskier borrower.
Some credit card companies, however, offer electronic and/or mobile
reminders to let you know when you’re nearing your limit.
Your credit card company may raise your credit limit without you requesting
them to do so. However, you may have to call your company’s customer
service number to ask them for an increase. If you have a history of paying
your bills on time, a credit card company is more likely to raise your limit
to accommodate you, though the increase may be small. This may help you
avoid overextending yourself financially.
