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Contributor
trying_to_B_good
Posts: 202
Registered: ‎06-30-2013
0

CLI's....WHEN TO ASK FOR THEM?

As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF.  Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?

 

THANKS GUYS!:smileylol:

AUBURN

 

ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.


IN THE GARDEN TILL 7/1/14!!!
Frequent Contributor
blondy250
Posts: 439
Registered: ‎01-03-2013
0

Re: CLI's....WHEN TO ASK FOR THEM?

Really depends on your total file, how many hard inqs int he last 12 months. You should count on any CLI being a HP, but I would try Capital one at the 1 year mark.


MyFico 4/18/14
Experian-820, Equifax-834, Transunion (Discover)--850-- 7/6/14
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Frequent Contributor
OhioCPA
Posts: 459
Registered: ‎03-29-2011
0

Re: CLI's....WHEN TO ASK FOR THEM?

I am not sure about your other cards, but for your Amazon it shouldn't be a HP. GE which issues the Amazon card is generally generous with CLI's every four months.

________________________________________________________________________________
Mega Contributor
Creditaddict
Posts: 19,573
Registered: ‎10-23-2007
0

Re: CLI's....WHEN TO ASK FOR THEM?


trying_to_B_good wrote:

As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF.  Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?

 

THANKS GUYS!:smileylol:

AUBURN

 

ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.


Dont' we have this exact convo last month?

CreditOne every 6 months - it's SP but might cost you $25.

Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.

Kay - 1 year and it's a HP unless auto which some have said 1 year

amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.

don't know fingerhut or goody's

angels would be like total rewards.

and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
trying_to_B_good
Posts: 202
Registered: ‎06-30-2013
0

Re: CLI's....WHEN TO ASK FOR THEM?


Creditaddict wrote:

trying_to_B_good wrote:

As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF.  Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?

 

THANKS GUYS!:smileylol:

AUBURN

 

ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.


Dont' we have this exact convo last month?

CreditOne every 6 months - it's SP but might cost you $25.

Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.

Kay - 1 year and it's a HP unless auto which some have said 1 year

amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.

don't know fingerhut or goody's

angels would be like total rewards.

and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!


WE DID, DIDN'T WE!:smileyvery-happy: Just always lookin for input and opinions. Good to hear from ya creditaddict!!! I am about to make the call to credit solutions NOW! I currently have a $600 limit....What do you think I should ask for....$2,000?:smileysurprised:


IN THE GARDEN TILL 7/1/14!!!
Mega Contributor
Creditaddict
Posts: 19,573
Registered: ‎10-23-2007
0

Re: CLI's....WHEN TO ASK FOR THEM?


trying_to_B_good wrote:

Creditaddict wrote:

trying_to_B_good wrote:

As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF.  Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?

 

THANKS GUYS!:smileylol:

AUBURN

 

ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.


Dont' we have this exact convo last month?

CreditOne every 6 months - it's SP but might cost you $25.

Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.

Kay - 1 year and it's a HP unless auto which some have said 1 year

amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.

don't know fingerhut or goody's

angels would be like total rewards.

and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!


WE DID, DIDN'T WE!:smileyvery-happy: Just always lookin for input and opinions. Good to hear from ya creditaddict!!! I am about to make the call to credit solutions NOW! I currently have a $600 limit....What do you think I should ask for....$2,000?:smileysurprised:


Perhaps let your payment post since you are late.

Then depending on your current balance... sure ask for $2k.

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:

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