Reply
New Contributor
Susyflower
Posts: 69
Registered: ‎07-15-2008
0

JC Penny CLI

I called their CS today to get my balance as for some reason can't log online for account mangement...anyways I took the plunge and asked for a CLI.  First I asked if it was a soft pull or a hard pull...CSR indicated that it is a soft hit.  Well...immediately was approved for an $1800 CLI.  I was at $500 CL so that is a nice jump and will make my util go down, plus a soft hit to boot.
 
I am so glad that I found MyFico...I never knew you could just ask for a CLI...I just waited around for the automatic ones and for some of my cards I've never got an increase...such as my JC Penny card.  Thanks to everybody for their valuable advice!
Frequent Contributor
creditdream
Posts: 352
Registered: ‎10-10-2007
0

Re: JC Penny CLI

Congrats for the cli :smileyhappy:
Regular Contributor
Kareninaz
Posts: 215
Registered: ‎07-02-2008
0

Re: JC Penny CLI

Is it really a soft pull? I'm dying to see if I can get a bit more.
 
Karen
My Scores: 7/2 TU 548 EQ 533 EXP 588
8/20 TU 644 EXP 679 EQ 673
New Contributor
Susyflower
Posts: 69
Registered: ‎07-15-2008
0

Re: JC Penny CLI

[ Edited ]
The CSR told me on the phone that she was told it was a "soft hit." That is the terminology that she used.  She'd better not have been lying to me!!!
 
Very courtous!!!


Message Edited by Susyflower on 07-24-2008 04:06 PM
Frequent Contributor
adamseve
Posts: 453
Registered: ‎05-14-2008
0

Re: JC Penny CLI

Yes it is a 'soft pull'.  I just got my card and called last night.  My initial CL was $500 and she bumped it to $1k for me in less than 30 seconds!
 
Don't try this with Belk however.  They will do a 'hard pull'.  Most people don't tell you unless you ask but this particular rep told me before she moved forward to get my approval.  Really appreciated that!
New Contributor
Susyflower
Posts: 69
Registered: ‎07-15-2008
0

Re: JC Penny CLI

It was very fast for the approval...I asked for the CLI, I heard "click, click, click" and then the CSR saying "yes, you've been approved for $1,800.  Do you accpet that?"  I wonder what would've happened if I had said no I was hoping for a little more.  Didn't want to push my luck though.
Valued Member
rj2311
Posts: 38
Registered: ‎05-11-2008
0

Re: JC Penny CLI

How long have you had the card?  Do you use it alot?  PIF every month?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}