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!
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 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
congrats, nice cli.
Nice CLI! Discover still won't grant an increase to me until after this year...