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They snatch receipts, peep PIN numbers, dive through dumpsters and share information over the Internet. Others embrace the old ways, using nothing but a voice and a telephone.
And don’t forget that each request comes with its own credit-deflating inquiry. If your household income has recently increased, it’s not a bad idea to mention that. Cunningham says a new NFCC survey of more than 2,000 people found that 22% can’t make ends meet without relying on credit cards, and 24% more say they would have to make “significant lifestyle changes” if their access to credit was eliminated — both dangerous financial positions to be in.
It also doesn’t hurt to offer a sensible reason why you want more credit: You’ll be traveling more often, you want to start paying more bills with your card, or you want to earn rewards for things you buy anyway. “A higher credit limit shouldn’t mean more credit card debt,” Lin cautions.
Some go high-tech, employing texting, cameras or software.
And some of their cons break the hearts of even the most experienced investigators. Working families get wiped out, left with nothing but bank balances in the red.