u/live_laugh_cock

So I want to share my experience with the Fidelity credit card because honestly it's been a bit of a ride.

When I applied, I had an 820 credit score, zero negative marks, solid FICO across the board, and I was genuinely excited about this card. The whole "automatically invests your cashback" thing is a no-brainer for me (I had put off applying for this card for several months until I received a mailer with a sign up bonus and 0% APR for 12 months). So you can imagine my disappointment when I got approved for a $500 limit. $500. That's it. It immediately became my lowest card out of the 5 I have, and there was basically no way I could use it as a daily driver at that point.

I really wanted this to be my main 2% card, so I called the reconsideration line pretty quickly after opening it to see if they'd take another look. They did, but it came with a hard pull, so after that I just kind of backed off and ended up opening the Citi Double Cash in the meantime to fill that 2% gap (and I've heard the nightmare stories behind Citi, so I'm not really positive on keeping them long term).

Fast forward about a year and after my last month's statement, I finally got an automatic CLI, which was nice (I know I could've manually done this earlier, but I just didn't want that hard pull again). I called in today to ask if I could push for another increase on top of that and they told me I need to wait at least 30 days before requesting one myself. And to top it off, the rep I spoke with when I asked if it would be a hard or soft pull (as I've been hearing some rumors they are doing soft pulls) the rep didn't even know the difference between a hard pull and a soft pull. I had to explain it to him. At that point I just had to laugh (not at him), but it's also kind of frustrating when you're trying to have a real conversation about your credit and the person on the other end doesn't have a baseline understanding of how it works.

So here's where I'm at: I'm trying to consolidate down to two cards and I really want this to be one of them. It makes total sense on paper, the 2% plus the automatic investing is genuinely useful for me. But it's still my lowest limit card and I can't really make it my daily driver like this without credit cycling and I know that's bad to do.

Has anyone else dealt with this? How did you actually get your limit to a usable place with Fidelity/Elan? Any tips would be appreciated because I'm kind of at a loss here and I don't want to close the card only to potentially be brought back to square one.