Best way to get a CLI: by phone or by LUV button?

llecs · ‎08-04-2007

In you guys' experience, did you have better results clicking online for a CLI request or calling them in person?

marty56 · ‎10-06-2007

I would call first. There may be a reason that you wont qqualify for the CLI that the CSR can check without a inq in your CR. For example: Age of the account, date of last CLI, late payment.

06/15/2012 FICO: EQ: 798 TU:785

netpanther · ‎08-07-2007

It depends, but I usually call. Reason being, is that sometimes you may not qualify and they will let you know if they think you won't, or suggest a lower amount, or let you know that now may not be the best time and what would be the best time to try again.

MidnightVoice · ‎03-25-2007

I have always called. I can sometimes get a feel for what is happening with the better cards that way

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

netpanther · ‎08-07-2007

MidnightVoice wrote:
I have always called. I can sometimes get a feel for what is happening with the better cards that way

Right. Also, you may be approved, but they might suggest that they feel like you would be approved for a 2500 increase rather than a 5K increase. So they tend to be able to tell you what is more likely to be approved beforehand even if it is going to be a soft inq.

Credit Cards

Best way to get a CLI: by phone or by LUV button?

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Re: Best way to get a CLI: by phone or by LUV button?

Re: Best way to get a CLI: by phone or by LUV button?