Chase raised my limit to $4,000 on the terms that I spent $100/mo or kept an avg daily bal of $1,000. Normally, it’s not a problem since I use this card for gas and pay it off monthly, but one month was the month my son was born.
– according to the monthly recap I spent $95
– according to THEM it was $51
– I looked at the bills and one transaction that occured during the billing cycle was forward to the following bill (which I had no way of knowing) – that would’ve brought the total to $97

My primary complaint is that due to the birth I charged about $600 worth of stuff (car insurance) since we were running low on cash. They dropped my limit w/o warning causing me to have over 65% of my limit used.

They ran a reg. request to raise my limit and it was denied because of the recent change in the limit. I’ve sent a few letters, but they keep telling to me (standard responses) to apply for an increase.

How can I get them to raise my limit?
I’m only asking for an 800 to offset the spending until I get it paid down.
My avg for the three months was $177 and my avg for the year (I didn’t even start using it until March) was $123.

I know I didn’t meet the terms (even though it was just a few dollars) – but I feel they should listen to my arguement and take into consideration the circumstances.
Lisa,

No, I’m not over my credit limit. Just trying to get the balance owed below 50% of my credit limit (I’d prefer below 30%).
Echo,

They pulled my credit one time, but I refuse to authorize anymore. I made my demands plain and simple – either can increase the rate on thier own or I will go back to using the card solely for gasoline puchases (unless I find a better rebate on gas purchases) and paying the balance in full each month – they’ll never make another dime in finance charges again! That’s a promise I’ll take the bank.