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Has anyone gotten a CLI with util. around 30%? I'm pproaching the 6 month mark.
I'll have 3 cards with balances. None maxed.
@webhopper wrote:
They have denied my most recent CLIs... no luv at all from them
I'm hoping for a nice increase with them, my 9K PSECU card is reporting but has a 5K balance
I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.
Good luck!
@SpiceIslander wrote:I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.
Good luck!
I really dont want the HP. Hopefully they can SP.
@LS2982 wrote:
@SpiceIslander wrote:I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.
Good luck!
I really dont want the HP. Hopefully they can SP.
The rep told me to let her know how much increase to enter into their system. If their system approved, it would be a soft pull. If however, the system denied it, she could do a hard pull with my permission.
@SpiceIslander wrote:
@LS2982 wrote:
@SpiceIslander wrote:I got one last month with >50% util that was spread among 3 credit cards and a line of credit. I was also hoping to ge a CLI at the 6 month mark but that didn't happen. I called in and the rep asked how much increase I wanted and I told her 2,000.00. It was approved w/o a hard pull. Initial CL was 1,000.00.
Good luck!
I really dont want the HP. Hopefully they can SP.
The rep told me to let her know how much increase to enter into their system. If their system approved, it would be a soft pull. If however, the system denied it, she could do a hard pull with my permission.
Gotcha, i'd like 1-2K. I'd be happy with 2K.
Hoping they see my 9K limit and other bankcards around 2K and give me something in that range.
I have had 2 CLI and both have been soft pulls. The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark. So Discover can give some pretty nice soft CLIs.
Now for speculation. Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.
@flowfaster wrote:I have had 2 CLI and both have been soft pulls. The first one was at 6 months for $500 and the next one was for $3000 at the 1 year mark. So Discover can give some pretty nice soft CLIs.
Now for speculation. Everyone (without serious baddies) seems to get the $500 at the 6 month mark if you request it.
So should I let it go past 6 months and see if I get an auto?