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Asking for CLI before mortgage reports.

Frequent Contributor

Asking for CLI before mortgage reports.

OK so my mortgage isnt reporting yet, im guessing it wont report until may 1st when my first payment is due. Should I try and get CLI increases now before it hits, and if I do, do I need to put down the mortgage even though its not on my CR? IM sure thats the honest thing to do. But my mortgage is rather high (approx 8400 a month) and im sure that would make a difference between getting a CLI or not. I really dont need the higher limits. Im just trying to get them higher just "because". I wouldnt mind a higher limit on my CSP or my Citi prestige. But other than that I really dont care about the rest. I would just like a very high limit card that I could buy a car on or something and earn points. But my mortgage is through Chase so I guess they can see it regardless of it being on my credit no? Thanks!

 

 

Edit, not sure if this should be in the credit card forum or mortgage forum. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I JP Morgan Ritz 50k I I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Chase Hyatt 30k I B of A Cash Rewards 30K I Barclays Arrival+ World E 29k I Chase Freedom 26,600 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I B of A Merrill Lynch 16,800 I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
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3 REPLIES
Super Contributor

Re: Asking for CLI before mortgage reports.

For CLI's your asked 

Income 

Rent or mortgage amount

Is there any additional income you wish to include such as assets

That's it

 

Oh and ask now before the new TL reports ....good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 4
Frequent Contributor

Re: Asking for CLI before mortgage reports.


myjourney wrote:

For CLI's your asked 

Income 

Rent or mortgage amount

Is there any additional income you wish to include such as assets

That's it

 

Oh and ask now before the new TL reports ....good luck


Yes I have seen that. Should I put the new mortgage in there even though its now showing up yet? 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I JP Morgan Ritz 50k I I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Chase Hyatt 30k I B of A Cash Rewards 30K I Barclays Arrival+ World E 29k I Chase Freedom 26,600 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I B of A Merrill Lynch 16,800 I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 3 of 4
Valued Contributor

Re: Asking for CLI before mortgage reports.


awp317 wrote:

myjourney wrote:

For CLI's your asked 

Income 

Rent or mortgage amount

Is there any additional income you wish to include such as assets

That's it

 

Oh and ask now before the new TL reports ....good luck


Yes I have seen that. Should I put the new mortgage in there even though its now showing up yet? 


I would wait till it shows up on your reports first before i used it.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
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