Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: BoA and WF secured cards...

The credit money tree has pretty bare branches these days. But I have seen posts about some lenders who do give CLI's every three months, so you can always try to give the tree a shake.

If you want to do this, I would research to find the most likely lenders, including what kind of activity they would want to see from you to put you on the CLI list. And then, I would get my util down very, very low. Lenders aren't dumb, and they know why consumers keep requesting CLI's when they're not reducing balances.

I have to say that I'm not terribly optimistic. It's a whole different credit world out there these days.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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