Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Valued Contributor
afbar1114
Posts: 2,174
Registered: ‎01-09-2012

CLI???

Options

‎10-01-2012 05:28 AM

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
Message 1 of 11 (565 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,496
Registered: ‎04-09-2011

Re: CLI???

Options

‎10-01-2012 06:12 AM

Welcome back!!

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


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 2 of 11 (538 Views)
 
Reply
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012

Re: CLI???

Options

‎10-01-2012 06:16 AM

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
Message 3 of 11 (530 Views)
 
Reply
Valued Contributor
afbar1114
Posts: 2,174
Registered: ‎01-09-2012

Re: CLI???

Options

‎10-01-2012 06:20 AM

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
Message 4 of 11 (524 Views)
 
Reply
Frequent Contributor
SwampSystems
Posts: 344
Registered: ‎06-25-2012

Re: CLI???

Options

‎10-01-2012 06:22 AM

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.


Hover over image for credit limits
How to stop the myFICO page header from overlapping posts
Message 5 of 11 (516 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,496
Registered: ‎04-09-2011

Re: CLI???

Options

‎10-01-2012 06:26 AM

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 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 6 of 11 (504 Views)
 
Reply
Valued Contributor
afbar1114
Posts: 2,174
Registered: ‎01-09-2012

Re: CLI???

Options

‎10-01-2012 08:38 AM

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
Message 7 of 11 (449 Views)
 
Reply
Valued Contributor
afbar1114
Posts: 2,174
Registered: ‎01-09-2012

Re: CLI???

Options

‎10-01-2012 09:28 AM

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
Message 8 of 11 (420 Views)
 
Reply
Super Contributor
CS800
Posts: 6,116
Registered: ‎04-07-2008

Re: CLI???

Options

‎10-01-2012 10:35 AM

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 !!





Message 9 of 11 (376 Views)
 
Reply
Mega Contributor
LS2982
Posts: 14,496
Registered: ‎04-09-2011

Re: CLI???

Options

‎10-01-2012 10:40 AM

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


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
Message 10 of 11 (368 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+