06-29-2012 08:45 AM
That's great! I had my card since 2007 never got a CLI stuck at $2000 but it had an AF, so I just went ahead and recently closed it.. I had called a few times over the course of 5 years for a CLI but was never successful!
06-29-2012 08:51 AM
You don't need that card now. Just close it. I used my BB RZ MC Platinum less after I got my US Bank Cash+. I keep it because it has no AF and can't get it.
06-29-2012 09:23 AM
I have checked my daily puller since I got the CLI, no HP yet.
Congrats!!!! They might pull either from TU or EQ. You need to check your report.
07-02-2012 12:55 PM
Thanks everyone, just called and got a $200 increase with a soft pull. Bringing my total limit to $500.
Well, what do you know? The Back Door number (866-551-0258) still works,even after the change over to Cap One. I took a shot and called and got a really nice lady on the phone who, after advising her that their credit card now had the dubious distinction of being the lowest limit card in my wallet, offered me a $500.00 increase with only a soft pull. I've had the card since 12/2010 starting at $300.00 limit, and hadn't tried to increase until now when all my other cards raised their limits.
I asked her about a higher limit increase beyond the $500.00. She said that, based on the soft pull I'd most likely qualify for it, but she would have to do a Hard Pull and that even though their hard pulls are random with respect to credit bureaus, she was 95% sure it would be an Equifax. I have 9 inquiries on my Equifax (4 of which that will fall of by the end of the year) as opposed to 3 or 4 on my other bureaus. I told her I didn't want to risk another hard pull on my Equifax and accepted the $500.00 CLI and asked her when we could revisit the issue. She said 6 months.
As a new member, I want to thank all those who have contributed so much really meainingful info and advice to this forum. You guys (and gals) are great! thanks.
07-21-2012 03:01 PM
Just clicked the LUV button. Had an increase from 1600 to 2400 with No pull.
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.