Did I mess up my chance for a CLI?

thankfulheart · ‎03-21-2012

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)

pizzadude · ‎03-21-2012

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

crunching_numbers · ‎03-21-2012

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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

thankfulheart · ‎03-21-2012

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)

thankfulheart · ‎03-21-2012

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)

john398 · ‎03-21-2012

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