04-05-2013 11:50 AM
So I decided to call my cards and ask for CLI and if not for this site I probably would of not gotten them. There was something on my report that basically auto denied on both of them. But using the backdoor numbers a CSR was able to lok at the problem and fix it . I had some old crap from 2009 because Santander are crap heads. So it really does pay to always call them and not take no for an awnser.
Chase Freedom went 2k to 5k
Discover More went from 1.7k to 3.5k
I also added a USAA Amex to the mix but a low 1k limit to start . Im thinking it may be time to start dumping the Crap1 cards i have that refuse to give mea CLI . iIm also thinking of trying for a new Citi Card but I really really want AMEX blue not sure if Im there yet. Im still keeping crap1 and whorchard because they were my first..
Thanks again Myfico !!!!
current card list
Chase Freedom 5k | Discover More 3.5k | Merick Bank 2k | Home Depot 5k | USAA 1k | Crap1 300 and 500 | Orchard bank 400 .
04-05-2013 11:53 AM
04-05-2013 01:36 PM
how long have you had your discover? I'm on my 5th statement now and waiting to see if I get an auto increase. I too started with 1700. I'm hoping to get around $2500, but you went up to 3500? thats awesome! I have the increase request button on my homepage but i'm scared to use it. lol. Did you request one and get denied and then call them up? did they have to verify things by calling your work etc.? I'm dying to get mine increased!
04-05-2013 01:38 PM
do you know if it was a hard pull?
04-05-2013 06:36 PM - edited 04-05-2013 06:38 PM
Ive had the Discover for 6 months the Chase for 7 Both were hards but well worth it imo. I went on a credit spree since I already took the hits . My FIco Score was 670 , I also got a CLI with HD card to 8k . I also got 2 more cards Walmart 1.5 and amazon 1k. Im going in hiding for awhile and will be doing much needed improvments on my home .
04-05-2013 06:41 PM - edited 04-05-2013 06:42 PM
sorry forgot to add some of your question . I was not denied I called them up and the CSR was amazing and presto no hassle thanked me for being a good customer and gave me my CLI. I probably could of got more but I was really surprised by the ease of the whole conversation. I did not use the Auto CLI and they did not check up on me .
04-07-2013 04:41 PM
Is it a HP if you request from the button online too? I can't have anymore inquiries. I just pulled my TU credit report and it says I have 8 in the last year. ugh. It's definitely affecting my score.
04-07-2013 05:03 PM
Very nice CLI's! Congratulations!
Many people on this board have written about their experience with Orchard Bank and Crap One's CLI requests. I would spend some time reading the old threads, following the instructions and definitely giving them several calls until you get what you want! Good luck!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.