CLIs: Post-Credit Crunch

[Anonymous]

I typically don't even ask for a cli until after a cc passes the 6 month mark. I'm not that desperate for a cli. Plus if I squeek to much to them, that may put them off. Silly, eh?

[MidnightVoice]

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Sylviatob wrote:
I typically don't even ask for a cli until after a cc passes the 6 month mark. I'm not that desperate for a cli. Plus if I squeek to much to them, that may put them off. Silly, eh?

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I tend to agree.  My Chase I waited 8 months and had a major increase in Eq score in that period.  I may ask Amex after 6 months, or I may just wait.  The thing that makes me think I might is the 50 point increase in EX score since I got the card.

If AUship goes away I might also be tempted, as I would no longer have DWs $15K B&N card

[ficonovice]

BOA gave me a CLI of $6500 after 30 days, but shot me down 60 days later when I asked for another $6K. Said my limit was sufficient for my income, but that they'd review periodically to keep me a satisfied customer....

Still love BOA, but their Fraud Alerts are becoming a little excessive. I've been flagged 3 times and received immediate automated messages from them verifying my requested purchase. I then have to call Customer Service to get the flag taken off and then I have to resubmit the charge. Irritating, but understandable I suppose...

[Anonymous]

Ouch ficonovice! What triggerd it? The particular merchant, amount involved, or what?

I had that happen to me to last year on a Cap1 card I tried to use.

[ficonovice]

They tend to get triggered when I make internet or phone phurchases, but the last one was at a Mr Tire shop for a new tire in the amount of $252.00. I was ticked off, but called them and they took care of it.

I asked them if they could change my alert trigger to larger purchases and they said they'd see, but their policy tracks new accounts closely for our protection...

[Anonymous]

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@ficonovice wrote:

They tend to get triggered when I make internet or phone phurchases, but the last one was at a Mr Tire shop for a new tire in the amount of $252.00. I was ticked off, but called them and they took care of it.

I asked them if they could change my alert trigger to larger purchases and they said they'd see, but their policy tracks new accounts closely for our protection...

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Well they are looking out for our own best interests then. It's good but at the same time it's a PITA. A necessary thing now days.

Thanks for the response.