@BlueNightStar wrote:
@haulingthescoreup wrote:
I'm really skeptical about asking for CLI's the moment the card arrives. I know that it's a popular tactic (or at least recommendation), but it sounds like a good way to get a giant asterisk next to my account from the bank's point of view.I agree. One thing I've noticed in the last several years is that flying under the radar and appearing completely boring to the CC companies seems to be the way to go. At least for me. If I appear to be unconcerned about limits or APR, I seem to get better treatment. I always make smallish, every day purchases and PIF on my new cards. I have wondered if I would seem desparate with my current credit profile if I start asking for things too soon, whereas asking for nothing makes me seem responsible.
My HSBC MC just randomly lowered my APR last year as I was making steady payments to get the balance down. My Amazon card increased my limit by $700 and it's only 3 months old.
I meant to add that part of the reason that I don't do this is because of cold-blooded reasoning, but mostly it's because when it comes to credit, I'm chicken. 
And being chicken has worked very well for me. 
@haulingthescoreup wrote:
@BlueNightStar wrote:
@haulingthescoreup wrote:
I'm really skeptical about asking for CLI's the moment the card arrives. I know that it's a popular tactic (or at least recommendation), but it sounds like a good way to get a giant asterisk next to my account from the bank's point of view.I agree. One thing I've noticed in the last several years is that flying under the radar and appearing completely boring to the CC companies seems to be the way to go. At least for me. If I appear to be unconcerned about limits or APR, I seem to get better treatment. I always make smallish, every day purchases and PIF on my new cards. I have wondered if I would seem desparate with my current credit profile if I start asking for things too soon, whereas asking for nothing makes me seem responsible.
My HSBC MC just randomly lowered my APR last year as I was making steady payments to get the balance down. My Amazon card increased my limit by $700 and it's only 3 months old.
I meant to add that part of the reason that I don't do this is because of cold-blooded reasoning, but mostly it's because when it comes to credit, I'm chicken.
Yes, I never used to be concerned about what I did with a CC until 2009 when all of mine took some form of AA against me. I am now probably slightly paranoid. That was a very bad year and I'm working hard to never let myself get in that position again.
Ann Taylor - $750 to $1,110 (auto)
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!
Starting Scores (6/30/2020): EQ 640 | EX 660 | TU 658
@missji wrote:
Ann Taylor - $750 to $1,110 (auto)
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!
Very nice!! Congrats!!!
Don't be afraid to ask to CLI's!!
I asked once... CAP 1 rejected it and scarred me for life!
@LS2982 wrote:
@missji wrote:
Ann Taylor - $750 to $1,110 (auto)
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!Very nice!! Congrats!!!
Don't be afraid to ask to CLI's!!
@missji wrote:I asked once... CAP 1 rejected it and scarred me for life!
@LS2982 wrote:
@missji wrote:
Ann Taylor - $750 to $1,110 (auto)
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!Very nice!! Congrats!!!
Don't be afraid to ask to CLI's!!
Shake that one off everybody gets the no treatment on that one
@LS2982 wrote:
@missji wrote:I asked once... CAP 1 rejected it and scarred me for life!
@LS2982 wrote:
@missji wrote:
Ann Taylor - $750 to $1,110 (auto)
The Limited - $550 to $1,130 (auto)
Victoria's Secret - $500 to $620 (auto)
Too chicken to ask - I try to fly under the radar!Very nice!! Congrats!!!
Don't be afraid to ask to CLI's!!
Shake that one off everybody gets the no treatment on that one
Amazon Store card $120 to $400 (I know..it's embarrasing)
CU Premium Visa $9k to $11k
Did not have to do a soft or hard pull. I had the bank use a previous auto loan application which I was approved for. Since 30 days didn't elapse since the auto approval, the previous credit hard pull was still good. EX 691..
i
@BlueNightStar wrote:
@haulingthescoreup wrote:
@BlueNightStar wrote:
@haulingthescoreup wrote:
I'm really skeptical about asking for CLI's the moment the card arrives. I know that it's a popular tactic (or at least recommendation), but it sounds like a good way to get a giant asterisk next to my account from the bank's point of view.I agree. One thing I've noticed in the last several years is that flying under the radar and appearing completely boring to the CC companies seems to be the way to go. At least for me. If I appear to be unconcerned about limits or APR, I seem to get better treatment. I always make smallish, every day purchases and PIF on my new cards. I have wondered if I would seem desparate with my current credit profile if I start asking for things too soon, whereas asking for nothing makes me seem responsible.
My HSBC MC just randomly lowered my APR last year as I was making steady payments to get the balance down. My Amazon card increased my limit by $700 and it's only 3 months old.
I meant to add that part of the reason that I don't do this is because of cold-blooded reasoning, but mostly it's because when it comes to credit, I'm chicken.
Yes, I never used to be concerned about what I did with a CC until 2009 when all of mine took some form of AA against me. I am now probably slightly paranoid.
Sorry to hear 
Do you have any GE accounts?? They seem to be cool about CLI's. every 4 months.
