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: 706
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 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, 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, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k

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