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Established Contributor
thankfulheart
Posts: 613
Registered: ‎09-26-2011

Did I mess up my chance for a CLI?

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‎03-21-2012 01:16 PM

I gave my daughter my CU CC with a spending limit for her to use to buy herself some things for her upcoming birthday.  I thought I had made an interim payment to bring the balance down, but I blew it and didn't get it done in time.  The account went over the CL by $80, but I paid the lump some as soon as I found out.  I was planning to ask for a CLI this month, too, dangit, so do you think I blew my shot?  I've been trying to use the card, just enough that the CU makes a little interest off me and I've been good at making more than minimum payments. I've had it 6 months.

 

Thoughts?

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)
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pizzadude
Posts: 6,239
Registered: ‎01-28-2010

Re: Did I mess up my chance for a CLI?

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‎03-21-2012 01:25 PM

 

I wouldn't worry too much about it.   They probably didn't take any AA against you for it at least, is that correct ?  No fees or anything ?

 

If you have had the account for 6 months I'd go ahead and ask for a CLI.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Established Contributor
crunching_numbers
Posts: 1,026
Registered: ‎02-15-2012

Re: Did I mess up my chance for a CLI?

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‎03-21-2012 01:28 PM

Did the billing cycle actually close with you over the limit, or were you just over the limit mid-cycle?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 771 TU98 , 824 TU08 FICO, 776 EQ FICO , 735 EX(9/12) FICO
Goal Score: 750+, but shooting for the 800's
my wallet: Hyatt Visa Sig ($23K), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Discover It ($8K), Amex BCP ($9K), FNBO Visa (13.1K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Walmart D ($7.5K), JCP($5.3K), Dicks MC ($2K)
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Established Contributor
thankfulheart
Posts: 613
Registered: ‎09-26-2011

Re: Did I mess up my chance for a CLI?

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‎03-21-2012 01:30 PM

No,, it's mid-cycle and only for 1 day

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)
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Established Contributor
thankfulheart
Posts: 613
Registered: ‎09-26-2011

Re: Did I mess up my chance for a CLI?

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‎03-21-2012 01:31 PM

No, it's mid-cycle and only for 1 day

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)
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Valued Contributor
john398
Posts: 2,357
Registered: ‎01-19-2009

Re: Did I mess up my chance for a CLI?

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‎03-21-2012 01:37 PM

I wouldnt worry too much about it in fact thats a good reason to issue a CLI

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