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Established Contributor
Posts: 879
Registered: ‎05-29-2008

CLI-fest 2011

So far, I have noticed forums showing that GEMB and HSBC both appear to be handing out CLI left and right--and they are pretty substantial in most cases as well.  Has anyone ever seen this pattern before?  It seems odd that two different CCCs are doing this at the same time.  I wonder what the reason is behind this.


Has anyone noticed any pattern changes with approvals and/or starting CL's from eithe of these CCC's lately?  I wonder if this is a good time to apply for a card from GEMB or HSBC since they appear to be "loosening things up" lately.


Unfortunately, I am one month away from being elibible for another CLI on my Wal Mart card.  Hopefully, their CLI spree will last another month or two.

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011

Re: CLI-fest 2011

GEMB has always been good about handing CLIs especially till the point you hit about 2k in CL


I have not heard anything like HSBC handing out a lot of CLIs.


Regarding your GEMB/Walmart CLI, you should have no trouble with it.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Contributor
Posts: 720
Registered: ‎08-14-2008

Re: CLI-fest 2011

I can only speak from my experience with my only GEMB and HSBC accounts.  Last month I received a $1400 CLI on my Best Buy store card (3300 > 4700) and a $2500 CLI on my GEMB/Gap VISA (2050 > 4550).  Both are my second increases on the cards and the first ones were smaller by far.  The only thing is you have to put your request in at exactly the right time or later and not before then or their systems will auto decline you.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k

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