07-02-2013 07:50 PM
07-02-2013 07:58 PM
07-02-2013 08:29 PM - edited 07-02-2013 08:34 PM
errr... sorry got ahead of myself....
1. I'm with Lexie... start with GE - they are a soft pull and you can do it over the phone and ask for a LOT!! like extreme lot and they will counter... i say like $10k if not $15k.
2. Nordstrom... I would just call and do it over the phone... ask for upgrade, CLI to $10k and APR to Tier 1. take the HP it will be okay.
3. E-mail Capital One Exec. Office - That is also a Soft Pull... tell them you would like your 2 cards converted... 1 to Venture, 1 to quicksilver and you decide before they call rather you will use enough to pay AF for more reward or no AF or just see what they offer with no AF. ask for the limits to be increased to $10k on each and APR's reduced. (they will counter)
4. Ask Discover for CLI via SP... might be worth to take a HP for them though and convert to "it" if you don't have it already and ask them to up to $10k also. they have been known to sometimes come back with just a few hundred or something crazy silly to me... just ask to speak to supervisor and they review...
5. I would ask for increase on Bank of America to $15k. will cost you hp but probably worth it... they will counter if issue.
6. wells and chase are up to you.
07-02-2013 08:55 PM
07-02-2013 09:45 PM
07-02-2013 11:39 PM
Call Credit Solutions and ask for a CLI. Ask for at least 3x the current CL. -ask for CLI every 4th statement
Call Nordstrom or better go in and ask for a CLI, APR reduction and the upgrade to Signature-ask every 6 mos
Call Discover and ask for CLI , APR reduction- may or may not be a sp -ask every 6 mos
Same with BoA, Chase and WF-ask every 6 mos.
Email Cap 1 and ask for the CLI, APR reduction and if there are AFs ask for them to be waived.
07-03-2013 06:57 AM
I. What I'm concerned about is not knowing how much to request CLI's for on my accounts or what to expect? Some of these lenders I've heard do hard pulls and want to know which creditors would be worth trying above any others?
II. Am I heading towards a good path with my credit so far?
III. Instead of requesting a CLI that will cause a hard pull, should I just apply for new credit?
IV. Any tips or help would be greatly appreciated!
My Credit Report: (First card at 18, now I'm 22)
AAoA: 3 years
Scores (Unofficial from Citi Identity):
** - All credit card accounts have been paid off or have balances less than <$100
American Express ZYNC - 2.5 years - Applying for Mercedes Benz Platinum (Rep. on phone said I have an invitation for regular platinum)
Bank of America Cash Rewards** - 2.5 years - $2K limit (Request credit line option available online)
Chase** - 2.5 years - $3,000
Discover** - 2 years - $1,700
Discover** - 2 years - $1,200
Nordstrom** - 4 years - $3,500 (Would love to upgrade to VISA which is automatically raised to $5K)
Wal-Mart** - 2.5 years - $2,500
Wells Fargo** - 2.5 years - $2,200
2 Capital One accounts** - 4 years - $1,500 total
Student Loan - 4 years - $3,500 paid down to $3,000
Personal Loan - $15,000 - 6 months (Loan paid off in 4 years)
If all the credit cards are paid off - how are you at 45% UT? Are you including your installment loans in that?
| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.