Applying for a creditline increase? My question is that I want to consolidate my total 8000 debt

My question is that I want to consolidate my total 8000 debt onto one credit card by asking for an increase surrounded by my lower APR credit card which is 5.99%, but they keep denying it. They maintain saying I hold too much revolving credit. If I payoff one of my lower credit card, which I am about to do soon for in the order of $4000, and ask for a credit increase will they give it to me? Also if I recompense off adjectives the 8000 debt and ask for an increase, will the credit card companies give me the increase right away? I've have these credit cards for almost 4 years now. I lately never understood credit increases.

If you do, it can hurt your credit score. JMHO

You could ask for a lower interest rate on you other card. Tell them you are considering transferring the balance to the lower rate card. They don't hold to know you can't. They will just assume you hold an offer for a different card. Everyone does these days, don't they? Don't verbs about construal credit increases. Most of the people at the credit card company don't any.

Answers: Normally, credit cards beside extremely low APR's have other short-falls to compensate for the low interest charges. For example, the Pulaski Bank Visa (which have a 7.99% APR) only have a maximum credit limit of $10,000. This restrictions the amount you can actually benefit from the card. Could this be the overnight case with your current credit card?

If so, you might consider transferring your existing debt to a 0% APR credit card next to a low APR after the intro. This will allow you to benefit from the 0% intro-- and hopefully give you a lower APR than your other complex rate cards.

One offer you might consider is the Rewards Advantage Platinum Visa from First National. It have a 0% intro APR for 12 months-- plus, a relatively low ongoing APR of 9.99%. You can find this offer (and other low APR offers) here:

http://www.asapcreditcard.com/0-apr.html...

Hope this help. GOOD LUCK!

Hi,
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