08-15-2012 07:59 PM
Well, I just got the feeling I might be able to work on improving my current cards a tad while waiting to app for Amex BCP in January 2013, so I called CHASE today and requested a CLI. Initially they increased my Freedom from 500 to 800, and I promptly asked for a recon (I did not want to waste an HP on a 300 increase). I was transferred to a lady in the lending department. We went through the normal questions; gross income, length of self-employment, rent, home ownership, etc. About 15 minutes while she analyzed and reviewed the account. I did butter them up a bit and mentioned that the Freedom was my lowest limit card (which is true), and that I had a 4500 limit on my Discover card, and that I run up to 1500 a month on my AMEX. I got what I requested........3500! Woohoo.
Two weeks earlier I bumped my Chevron/Texaco Card from 900 to 1500 (it was originally 500).
All set for the rest of the year now. 2-3 more INQ's drop off by the end of 2012 and then it is onto Blue Cash Preferred skies!
08-15-2012 09:40 PM
if only kohls was accepting cli right now.
raised my macy's from 2k to 3500. should have asked for more.
no pull i believe.
i didnt get any alerts....
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
08-16-2012 05:52 AM
Nice CLI! Discover still won't grant an increase to me until after this year...
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