07-20-2009 05:38 AM
Hi everyone, I have had this card since April can anyone give me advice is it too early to ask for a cli, also is it a soft pull or a hard pull (I hope it is a soft pull like Macy's) and do I just speak to a customer service representative.
Thanks for any advice
07-20-2009 06:49 AM
I'd recommend waiting 4 statement cycles at a minimum.
07-21-2009 09:26 PM - edited 07-21-2009 09:29 PM
I opened my JC Penney account at the begining of March. I applied at my local store and was approved for $800.00 I've used it lightly since then off and on. For the last couple of months I've not used it at all.
Yesterday, I decided to try for a CLI online. I clicked the button on the website and was given an increase of $ 1,000.00. I now have a CL of $1800.00 I then went to check my credit reports and did not notice a hard inquiry.
I say go for it, of course that is just my opinion.
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