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CLI on activation

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Valued Member

CLI on activation

Has anyone tried this?  I've heard you can usually get approved for an increase on the spot if you ask for one when you activate the card.  Is there something in particular I should say?  I tried with my Wamu recently and they told me they do the CLIs automatically on a review basis and were not autherized to give them upon asking.   So I recently got approved for a Best Buy  card with a $500. limit.  Seriously world, WTH am I going to buy at Best Buy for under $500?  So I intend to give the CLI on activation another shot with them when the card arrives.  Otherwise I guess I can always stock up on batteries :/ .  Does anyone have any suggestions on how to ask?
Message 1 of 8
7 REPLIES
Established Contributor

Re: CLI on activation

You can activate online and request a CLI from your dash board, or call in to activate and ask then... However this process does not guarantee a soft INQ. Some do hard INQ some don't. Citi does, Amex doesn't, etc. Smiley Wink
 
Rob
Message 2 of 8
Valued Member

Re: CLI on activation

I'm not seeing that option on thier website.  I think I only own one card that actually has a link to request a CLI.  When you request- do they charge you a fee?
Message 3 of 8
Established Contributor

Re: CLI on activation



bl00dymary wrote:
I'm not seeing that option on thier website.  I think I only own one card that actually has a link to request a CLI.  When you request- do they charge you a fee?


No fee... Best Buy Visa or Best Buy Charge (store card) no fee to request an increase.
 
Rob
Message 4 of 8
Established Member

Re: CLI on activation

I just got a hard inquiry for a US Bank CLI using the online application request. I got approved but **ughhh frustration**!!! I don't plan on making any big moves besides renting an apartment, but I'll take the hits early on in my credit career.
Message 5 of 8
Established Contributor

Re: CLI on activation

That's maybe right ...Smiley Happy)

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 6 of 8
Epic Contributor

Re: CLI on activation

While some banks like Barclay, GE (Walmart, and Lowes top that list of best)

CLI at activation is 2 different things to me since "Most" times you are going through either an automated system or a call center in another country that has nothing to do with the CL or CLI.

Other note is Best Buy use to have a "B" plan account that was kind of fixed with no growth and a $500 CL on the store sounds like a B, unlesss now Cap1 and they stopped the B plan.

Message 7 of 8
Valued Contributor

Re: CLI on activation


navigator1256 wrote:
I just got a hard inquiry for a US Bank CLI using the online application request. I got approved but **ughhh frustration**!!! I don't plan on making any big moves besides renting an apartment, but I'll take the hits early on in my credit career.

Wow that's hurt......yeah thats why i always call and confirmed the rep like 3 times wait 4 times question"" If its gonna be a Hp ??? """ lol....Called in always best for me.........

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 8 of 8