Gap Visa CLI tips?

[saving_grace16]

Hi everyone - 

So I just applied for a CLI for my Gap Visa (GECRB).  Asking to go from 4200 to 6500, but was denied.  Do you know how long I would have to wait to do another CLI (is it another 4 months like I have seen on other threads?).  Also, any tips to be more successful in my next CLI request with them? 

Thanks! 

[B335is]

I've been able to get an increase on GE accounts after a 30 day wait from denial.  I've never done the online CLI, so I always call Credit Solutions and name the amount I would like.  They will counter offer if they can.  They tend to like having balances report, then pif.

[saving_grace16]

---

@B335is wrote:

I've been able to get an increase on GE accounts after a 30 day wait from denial.  I've never done the online CLI, so I always call Credit Solutions and name the amount I would like.  They will counter offer if they can.  They tend to like having balances report, then pif.

---

How do you call credit solutions?  I just called the # on the back of the card and spoke to a representative - would I need to do something different?  

And yes, I have learned that they like to have balances report.  In fact - over the last 2 years, I have received CLis without asking every 6 months, which was when my utilization of the card was at it's highest. 

[B335is]

---

@saving_grace16 wrote:

---

@B335is wrote:

I've been able to get an increase on GE accounts after a 30 day wait from denial.  I've never done the online CLI, so I always call Credit Solutions and name the amount I would like.  They will counter offer if they can.  They tend to like having balances report, then pif.

---

How do you call credit solutions?  I just called the # on the back of the card and spoke to a representative - would I need to do something different?  

And yes, I have learned that they like to have balances report.  In fact - over the last 2 years, I have received CLis without asking every 6 months, which was when my utilization of the card was at it's highest. 

---

Try calling the GE backdoor number from the sticky.  If you've had the account 2 years you could probably just call now, I believe they close at 9pm Pacific.

[saving_grace16]

---

@B335is wrote:

---

@saving_grace16 wrote:

---

@B335is wrote:

I've been able to get an increase on GE accounts after a 30 day wait from denial.  I've never done the online CLI, so I always call Credit Solutions and name the amount I would like.  They will counter offer if they can.  They tend to like having balances report, then pif.

---

How do you call credit solutions?  I just called the # on the back of the card and spoke to a representative - would I need to do something different?  

And yes, I have learned that they like to have balances report.  In fact - over the last 2 years, I have received CLis without asking every 6 months, which was when my utilization of the card was at it's highest. 

---

Try calling the GE backdoor number from the sticky.  If you've had the account 2 years you could probably just call now, I believe they close at 9pm Pacific.

---

From the sticky?

[B335is]

When you click "credit cards" from the menu at top, one of the pinned posts is "backdoor numbers."  It's a very nice tool, all of the numbers for lenders!

GE:  877-379-8173

[saving_grace16]

Thanks!  You think I could call now, even if I just called and talked to a CSR for the GAP line specifically about an hour from when i originally posted?

[B335is]

---

@saving_grace16 wrote:

Thanks!  You think I could call now, even if I just called and talked to a CSR for the GAP line specifically about an hour from when i originally posted?

---

No problem!  Yes, I would try now.  Just tell them you have a Gap Visa card and would like to be considered for a higher limit.  They will ask what amount you want and what is your income.

Some people ask for as much as $25k, but just ask for whatever you're comfortable with.  I usually ask for 3x my current limit, but I haven't requested any in about a year.

[B335is]

Any update?

[vega25]

I have tried once a year using the online CLI option. It worked every year - was instant and immediately notified online - for the past four years EXCEPT this February. I seem to have hit the max they are willing to offer me, which is $5K. I am not planning to call in and speak to a manager or try again in a bit, because I don't think it'll be worth a hard pull on the credit report if they decide to do that.