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Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

CLI???

I plan on asking for a CLI on my freedom in jan 2013. it will be six months from my last one. i am fixing some things on my report and will be done soon. what are my chances of going from $1500 to $5k? i would like to get my girlfriend an engangement ring if i can. i plan on having my balances low and UTL no more then 20%. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: CLI???

Welcome back!!

Do you have any other lines over or near 5k?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
0

Re: CLI???

I think it depends on how much you use the card and if you always pay it off every month.  If you're currently pushing more than $1500 per month through it and making multiple payments then I think the chances are high.  If you only use for a couple hundred per month, I don't see you getting a raise to $5K.  It would also help if you have some other high limits at the time.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

Re: CLI???

I have a jared card near $3k.

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

Re: CLI???


afbar1114 wrote:

I plan on asking for a CLI on my freedom in jan 2013. it will be six months from my last one. i am fixing some things on my report and will be done soon. what are my chances of going from $1500 to $5k? i would like to get my girlfriend an engangement ring if i can. i plan on having my balances low and UTL no more then 20%. 


I was able to go from $1500 to $4500 earlier this year through manual review after being denied a CLI.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: CLI???

Koop brings up a good point, if your spending the CL and making multiple pymts your chances are high of getting a CLI as long as your files are on the up and up.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

Re: CLI???

i use the card ALOT and i just paid it off. my first CLI went from $500 to $1500 and i had only asked for a cli from $500 to $1k. im hoping i get enough so i can get her a nice ring. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

Re: CLI???

maybe insted of a CLI il shot for a CSP so i can get most of the spedning out of the way to get the 40k bonus. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
0

Re: CLI???


afbar1114 wrote:

maybe insted of a CLI il shot for a CSP so i can get most of the spedning out of the way to get the 40k bonus. 


Ooooohh no you didn't !!




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: CLI???

Ole appbar back to his old ways.....:smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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