06-17-2010 12:36 PM
yeah trust me i had to reread the email a couple of times and still didnt believe it till i got the card in my hand.
06-17-2010 06:17 PM
Has anyone with instant approval tried calling in to get an increase on their initial CL?If so, what do they usually ask during the call?
By the way, my Util is right around 38%, just one inquiry (AMEX) in the past year, no baddies, just a fair amount of debt via student loans currently in repayment, and household income last year was about $65K.
06-18-2010 09:33 AM
I called a few days ago to get my credit line increase, it took about 10-15 minutes to get it increases. They asked for income and credit check permission..
They did run a credit check on mine and got a hard pulled on my Equifax CR but oh well once in a while is okay..Be prepared for credit check if you want CLI..
06-19-2010 12:02 AM
household is about 90k . mines only 35k .
do you remember what you put on the application? yours only or household? Did they have to verify the income?
06-20-2010 04:11 PM
hmm i always try to be honest so i believe most likely i put mine in the one box and then below for "other income" i put the wifes and put her as the source.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.