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Credit Line Increase

Contributor

Credit Line Increase

I have found the closer you are to Christmas the easier it is to get a CLI, Anyone else find this to be true?

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
10 REPLIES
Valued Contributor

Re: Credit Line Increase

I believe this is true. CCC want more people to finance with them and dont want to lose business especially during this season

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
New Contributor

Re: Credit Line Increase

People usually spend a lot more during Christmas. If you have a higher credit line you are more likely to spend more. The banks want you to spend a lot of money and pay them interest.

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Senior Contributor

Re: Credit Line Increase

This is why Im glad my Amex 61 3xcli mark will be around mid december :-D. I might request it on Dec 20th or Dec 24th! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member

Re: Credit Line Increase


youngandcreditwrthy wrote:
This is why Im glad my Amex 61 3xcli mark will be around mid december :-D. I might request it on Dec 20th or Dec 24th! Lol

Do you know if I can try this with Discover, too? 61 days really?

Valued Contributor

Re: Credit Line Increase

I have been tempted to apply for the walmart card in store during the holiday season, hoping for a high starting CL. If not, the card grows nicely. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Senior Contributor

Re: Credit Line Increase

With Amex, only the initial credit line can be increased after 61 days, then any approved cli after will require a six month period.

Nah, Discover is a stickler, no cli for at least six months-absolutely no way around it lol!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor

Re: Credit Line Increase

I received a Discover auto CLI after my 4th statement cut.... Went from 5k to 6.5k

No idea what triggered it, but apparently I did something right. :-)
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Valued Contributor

Re: Credit Line Increase


RonDawg wrote:

I have found the closer you are to Christmas the easier it is to get a CLI, Anyone else find this to be true?


I hope so, my Wal-Mart Store is sitting at 2.9k CL, just PIF last month. I hope to get auto cli to 5.8k and a Discover upgrade also.

 

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor

Re: Credit Line Increase

I doubt this is true for Cap 1