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: Discover Fico 682 1/15 Walmart Fico 684 1/15|
Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
15% right now, but going up soon
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
08-16-2012 05:52 AM
Nice CLI! Discover still won't grant an increase to me until after this year...
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.