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.
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