Credit Cards

[ladydi]

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Creditaddict wrote:
have you asked? Every 3 months

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yes i have, i use it all the time and pay on it every wk, never late my fico score is 642. i got to the point i stop asking for one. i got my card oct 07.

so i will just pay it off and just put it in the sock draw. and whats so crazy i have a bloomingdale's with an cl of $1000....

[slarano]

Mine still hovers at around a 4K CL. Perhaps I'll call in soon to get a slight bump, it's been at least 4 months since I last got my GLI.

[buttercupbass]

I too felt the bitter bite of a CL  decrease. I started out with a $200 CL, quickly got CLI to $300 and then $500.

I was late once, (4 days) and they slashed it back to $200.

That was the only time in 8 years its ever been late, and it's still a miserable $200 limit.

[ladydi]

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buttercupbass wrote:

I too felt the bitter bite of a CL  decrease. I started out with a $200 CL, quickly got CLI to $300 and then $500.

I was late once, (4 days) and they slashed it back to $200.

That was the only time in 8 years its ever been late, and it's still a miserable $200 limit.

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at least u made it to 500.00. i just got my response back from macy about cli, denied due to something is on my EX report.

[ladydi]

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score_building wrote:

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ladydi wrote:
WHY CANT MACY'S SHOW ME ANY LOVE....I HAD MY FOR 2 YRS NEVER AN INCREASE   $300

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possible factors: 

-high uti

-marginal EX score

-sufficient credit 

-insufficient income

-past delinquencies

-new neg info (EX)

-usage patterns

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thanks for the info, i will look into that....

[creditwherecreditisdue]

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buttercupbass wrote:

I too felt the bitter bite of a CL  decrease. I started out with a $200 CL, quickly got CLI to $300 and then $500.

I was late once, (4 days) and they slashed it back to $200.

That was the only time in 8 years its ever been late, and it's still a miserable $200 limit.

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If you miss a payment with Macy's/Bloomingdale's the CLD is automatic.

[MARTYALEX651]

YES Macys is on a rampage I have had my account for 15 months , never been late,usually paid in full,always paid more than minimum payment,very actively ordered from them a least every other month, my credit line went from $1200 down to $140 like $6 above my current balance, I called them and they raised my limit back to $600 wow lol!! yes they are reducing lines so be prepared, and to beat it all like 2 months ago I had gotten a $200 cli!!!  BLOOMINGDALES is doing the same my $1500 credit line went down to $100, never been late with them either I called and they raised it back up to $800 but i had to call like 7 times to get it done, but I look for them to lower again in a month or two.They are balance chasing too it appears.

[score_building]

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MARTYALEX651 wrote:
YES Macys is on a rampage I have had my account for 15 months , never been late,usually paid in full,always paid more than minimum payment,very actively ordered from them a least every other month, my credit line went from $1200 down to $140 like $6 above my current balance, I called them and they raised my limit back to $600 wow lol!! yes they are reducing lines so be prepared, and to beat it all like 2 months ago I had gotten a $200 cli!!!  BLOOMINGDALES is doing the same my $1500 credit line went down to $100, never been late with them either I called and they raised it back up to $800 but i had to call like 7 times to get it done, but I look for them to lower again in a month or two.They are balance chasing too it appears.

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did they give you a reason for the CLDs?

[MARTYALEX651]

they claimed my credit report contained negative items, but i know that to be false i check my credit everyday,and i pulled a fico score from myfico and my score is 698 its better than it was when i got the accounts.

[ladydi]

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MARTYALEX651 wrote:
they claimed my credit report contained negative items, but i know that to be false i check my credit everyday,and i pulled a fico score from myfico and my score is 698 its better than it was when i got the accounts.

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i called macy's today, to see what was ex reporting on my credit they couldnt tell me why. they said they will send me a statement, stateing the reason why....

i tried of the cld,it makes me angry...