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Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Got CLI on Macy's. New limit $1100

No hard inq's for me when I got the CLI from Macy's

mjgray wrote:
Hey Concord.. question for you:

Your increases to $400 and $1100 -- were those the result of hard pulls?

I'm curious because each time I've requested a Macy's increase without a hard pull, they've only increased by $100. So I'm wondering if they have a "soft = $100" guideline.

Maybe I'll get luckier next time.


Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
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Re: Got CLI on Macy's. New limit $1100

Congrats in the CLI. That's great.
Regular Contributor
Posts: 119
Registered: ‎03-19-2008
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Re: Got CLI on Macy's. New limit $1100

That's so awesome!  Congrats!  I love Macy's, I have nothing but good things to say about them.

Starting Score: EX: 620 TU: 600 EQ: 620
Current Score: EX: 645 TU: 642 EQ: 651
Goal Score: EX: 670 TU: 660 EQ: 700


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Frequent Contributor
Posts: 433
Registered: ‎02-07-2008
0

Re: Got CLI on Macy's. New limit $1100

I called for a GLI yesterday and Macy's raised my limit from $3200 to $5000 with no hard pull! I've made a small purchase every month for the last 6 months - a wallet, some kitchen utensils, a dress... always PIF before the statement dropped.
Established Contributor
Posts: 640
Registered: ‎03-28-2008
0

Re: Got CLI on Macy's. New limit $1100

It's about 4 months since I got my last CLI with Macy's (never had a hard pull for a CLI, and I've gone from $100 to the current $700 with something in between ($300? $400? I forget!) - I've been thinking about calling and asking for another CLI but am not so sure they'll say yes, as I've not used the card at all in about 2 months and have barely been spending anything on it at all even when I have been using it.

Think I'll have to go on a Macy's shopping spree before I ask for another CLI - last time I got a wallet, the time before that a purse... guess it's time for a visit to the Clinique counter! I'd feel cheeky calling and asking for a CLI when I've had a zero balance on the thing for months. Maybe I'll say I want to make some BIG purchases (new house and all that) and therefore need a decent CLI! :smileyhappy:
EQ: 723 / TU: 760 (August 2009)
Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008
0

Re: Got CLI on Macy's. New limit $1100



codeman5022 wrote:
cool, thank you.
I just got my card at the beginning of this week, called and got the limit from $100 to $300. CSR told me to call back in 3 months for a GLI. how big were your purchases?


The reason you were able to get it raised in the first week was because this was an identity verification measure. When they grant it instantly they usually only give $100 as a means to lower their risk in the case of identity theft. If you call in and you can verify information they usually raise it to 300-1000 (though I have heard of 1500 or higher) depending on what they view your credit worthiness.
Regular Contributor
Posts: 157
Registered: ‎05-01-2008
0

Re: Got CLI on Macy's. New limit $1100

I agree Macys has been awesome. I started out with 300 CL now less then a year later Im up to 1000. At first I called every month to request a CLI. Now I'll call about every 60-90 days.
Regular Contributor
Posts: 127
Registered: ‎05-16-2008
0

Re: Got CLI on Macy's. New limit $1100

Kartel34, When you called every month, did they grant a CLI each time? If so, how long did you do this for?
Established Contributor
Posts: 640
Registered: ‎03-28-2008
0

Re: Got CLI on Macy's. New limit $1100

Well... after all my fretting about whether I should ask for a CLI (thinking they'd say 'you've barely touched the card since the last increase, what do you want MORE credit for???'), I called Macy's tonight... nice CLI from $700 to $1400. Very happy with that - now maybe I should actually show the card some action before my next routine 90-days-CLI call in September! :smileyhappy:
EQ: 723 / TU: 760 (August 2009)
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