In the mail today, a letter doing a CLI from $10K to $15K. I did not request an increase.
Opened 11/2007 according to CRAs but first statement I have is dated 1/2008. Used anywhere from $0 to $2,000 per month, mostly PIFed but sometimes paid only a very small payment - always more than minimum, of course.
Unusual payment pattern is that I have not used it for 3 months and then last month made two charges, one tiny and the other about $6K. Payment is scheduled to PIF 10/22. Do they know that since that is a week from today?
I just received a RJ notice from them increasing rate to 18% approx.
andy: What are your scores? Baddies?
How did you maintain the card. Example did you show a lot of usage, close to maxing it out, never carry a balance, etc?
Does anyone know if this can be done to the student discover card also. I've had the card for two months now and was wondering if i should request a CLI after the 6th statement cuts?
Maybe Discover is relaxing their requirements a bit. I just applied for and received a Discover More card with a $1K CL with a 6mo intro APR of 3.99%. They did a hard inquiry. I have "fair" credit that I have been working to improve. My scores from myfico are TU: 645 and EQ: 631. I have 2 90 day lates from 3/08 and 2 unpaid collections from 3 yrs ago that I am trying to negotiate with the CA for a PFD.