Line of Credit/Credit Card?

I was hoping my bank would increase my line of credit by $3,000 so I could purchase some new DJing equipment, but this morning I found out they shot me down. The reason I got shot down was because when I applied I only had about $60 in my account (it's pay day today - rolls eyes a bit), and because my student loan is on interest relief because I had lost my job back in November (I've found another well paying one since - thank god). Anyway. I'm wondering if I applied for a new credit card or something if I'd get the same answer. Or would it depend on who I was applying with? I'm Canadian, so I'm not sure if that changes the rules, or if certain banks are easier than others to obtain credit from.

8 months ago - 3 answers