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To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?
I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?
@SwampSystems wrote:To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?
I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?
4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.
@LS2982 wrote:
@SwampSystems wrote:To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?
I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?
4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.
@I love Football with a 55" 0% for 18 months 0% apr. @ LS2982 he is right on.
@LS2982 wrote:
@SwampSystems wrote:To those of you who make regular CLI requests on your GE cards, what is the minimum time you have seen between approvals, and how much did you use your card in that time?
I am getting denied for insufficient experience at my current limit, and I am not sure if it is strictly due to time or simply lack of sufficient usage. I THINK the last CLI was late June. Last time I went throgh an underwriter, so that may have something to do with it as well. Any recommendations?
4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.
That is correct!
@LS2982 wrote:
4 statement cycles from your last CLI request is the minimum. If your account is new, at least 4 statement cycles from opening date is minimum.
Do you think it matters that I haven't had a visible statement since April? Guess I will start letting some of that 15-cents-off Murphy gas post once Discover/Freedom 5% gas is over.
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EDIT: Now I'm wondering if Murphy sells Walmart gift cards. You still get 10 cents off per gallon with a Walmart gift card, and if you purchase it from Murphy it would probably get coded as a gas purchase for the 5% back on Discover/Freedom.
I tend to let balances post to my GE cards since I remember reading that if you don't let a balance post their statements get messed up or something.
same for me.
i was approved mid july and have not had one posted statement yet.
only used this month and i already pif since statement closes the 25th.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@gettnthere wrote:Swamp, i sent you a PM
My last CLI a few months ago was actually from an underwriter, so I was apprehensive to call the backdoor number again so soon. But I'm glad you sent it to me, because after 15 minutes on the phone and a verification call to the phone number I had on file, they successfully raised my CL from $6,000 to $10,000! I'm finally in the "premium bankcard" club! You guys are awesome.
I would say 4 months after your last cli..... My dad did this with his... He didn't have to wait for the statement to cut, he got a $200 () increase from his PayPal exactly the fourth month of his last increase