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I just received my 6th statement from Kroger (RBS). Current CL of 5,500, bal 2,400 (0% BT). Always pay at least 10X min. payment.
I called and asked for a CLI. The CSR asked how much I wanted. I replied "all I can get".
HE said "You ARE eligible for a CLI and we can offer an increase to 8,000 with no credit pull but if you want more it will require that we check your credit".
I took the 2,500 CLI. Not even a question about income.
I like Kroger 1-2-3
@Itsmeagain wrote:I just received my 6th statement from Kroger (RBS). Current CL of 5,500, bal 2,400 (0% BT). Always pay at least 10X min. payment.
I called and asked for a CLI. The CSR asked how much I wanted. I replied "all I can get".
HE said "You ARE eligible for a CLI and we can offer an increase to 8,000 with no credit pull but if you want more it will require that we check your credit".
I took the 2,500 CLI. Not even a question about income.
I like Kroger 1-2-3
Congrats! I'm glad to hear about the CLI's they give. I use this card for gas and grocery at Krogers. I get a lot usage on it.
Thanks for the post, meagain. We love Kroger and have been wondering about their CLI's.
DH app'd in July (I'm an AU) and received $6,000 CL. When he activated the card - using what I've learned from these boards - he called in and requested a CLI and indicated he wanted no hard inquiry. They assured him there would be no hard and upped his CL to $10,000. Woot! However, they did do a hard pull. I should try to get the hard removed or changed to a soft - haven't done that before but I know I can probably find some info on how to do that on these boards.
We pop a lot of money through this card and PIF. Hopefully they will be as nice to DH in six months as they were to you. Thanks for sharing the info & Congratulations on that lovely CLI!
Edited to add: Are they softing you on a regular basis or did they soft you for this pull?
congrats!! nice cli itsme
Kroger 1-2-3 is a great card! I think it is one of the most underrated out there.
They started me with 6K in May, and I hadn't even considered asking for more. We'll see what happens after the 6 month anniversary.
Congrats on the big jump!!
@Anonymous wrote:Thanks for the post, meagain. We love Kroger and have been wondering about their CLI's.
DH app'd in July (I'm an AU) and received $6,000 CL. When he activated the card - using what I've learned from these boards - he called in and requested a CLI and indicated he wanted no hard inquiry. They assured him there would be no hard and upped his CL to $10,000. Woot! However, they did do a hard pull. I should try to get the hard removed or changed to a soft - haven't done that before but I know I can probably find some info on how to do that on these boards.
We pop a lot of money through this card and PIF. Hopefully they will be as nice to DH in six months as they were to you. Thanks for sharing the info & Congratulations on that lovely CLI!
Edited to add: Are they softing you on a regular basis or did they soft you for this pull?
Message Edited by beamMEup on 10-08-2009 09:25 AM
Thanks to all. Sorry for the delay in responding but I had to pull a current EQ report and you know how long that takes . . . . LOL!
The only pulls from Kroger were:
So, they had already made their decision before I called for the CLI on 10-7-09.
Hope they treat you all as well.
IMA
Super congrats to you, ima!!!
I love my 123 card, which I never would have even apped for if not for this forum. And so good to know about the CLI. I plan to check for 'softs' around the time of my 6th statement and maybe I'll be as fortunate as you!
This card gets a lot of use as it's the only one I use for groceries and gas, and I PIF ,except this month I stupidly didnt get payment in before statement so a balance reported......rats!
Congrats again!!!
Itsmeagain wrote: Thanks to all. Sorry for the delay in responding but I had to pull a current EQ report and you know how long that takes . . . . LOL! The only pulls from Kroger were:
- Hard pull on 3-25-09 to open the account and;
- Soft pull (AR), on 9-11-09.
So, they had already made their decision before I called for the CLI on 10-7-09. Hope they treat you all as well.
Thanks for checkin' that for all of us - you are golden!
I haven't checked my soft pulls on Equifax for a chunk of time. I check them occasionally on EXP & TU 'cuz I can pull them off CCT. Not so with EQ. If I want to see EQ soft pulls, do I have to pull it directly from Equifax.com?
Really liking Kroger!
Thought I'd update this thread rather than starting a new one.
DH just called in for a CLI (Kroger card is 11 months old). His current CL was $10,000.
They asked him how much he wanted, he said what is available to me? and they said you need to provide a number. He said $15,000.
They said they will need to pull his credit (we expected this).
They asked him to call back tomorrow to find out if his request for a CLI was granted. Logged on next day - voila! New CL: $15,000.
His EQ score is 796, his utilization is 5%. We put a lot through the card monthly and PIF, but often report a small balance on this card.
When DH originally opened card last July, he had a $6,000 CL. When he activated the card he called in and requested a CLI and they upped it to $10,000.
So, $6,000 CL to $15,000 CL in 11 months. Me likey!
Also, Kroger reports as a bank card - so that's a plus. Their interest is 14.99% - pretty high. But as PIF'ers, we've yet to pay any interest on this card.
Thanks forums for helping us find this card and know how to manage it!