Credit Cards

[concorduser]

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

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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.

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[UpUpUp]

Congrats in the CLI. That's great.

[grneydangl]

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

[tonsers]

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.

[fevmlo]

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!

[debtisgood]

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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?

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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.

[Kartel34]

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.

[codeman5022]

Kartel34, When you called every month, did they grant a CLI each time? If so, how long did you do this for?

[fevmlo]

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!