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How To Get More Credit

If You Have Credit

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  • Contact the credit card company and ask if your credit limit can be increased. If your credit limit cannot be increased now, ask under what circumstances the limit can be increased, and when you can apply for the increase.
  • Review the applications you receive in the mail.
    • Don't believe that "pre-approved" actually means pre-approved. Your creditworthiness will likely be reviewed when you actually apply for the credit.
    • While there are many fee-free cards, it may be worthwhile to pay the fee to obtain credit if you can't get it for free. (It can't hurt to ask the credit card company which offers a card with a fee to waive the fee. If the company won't do the waiver permanently, it may waive the fee for the first year).
  • Search the internet to see if there are new accounts for which you qualify. For example, see: offsite link
  • When you open a new account, do not close the old account(s) even though they may have a high rate of interest or other negative feature. The only time to close an old account is when it prevents you from obtaining a new account with a similar or greater credit limit and lower fees.
  • Do not apply for several cards in a short period of time. Each time you apply for a new credit card, the issuing company will contact the national credit bureaus. Too many inquiries on your report in a short period of time may result in your being denied additional credit regardless of you qualifications.
  • If it appears that you will not qualify for a particular line of credit, do not apply for it.

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