08-02-2010 05:45 PM
I was wondering when Kay raised CL from when an account has been opened. I opened my account in November, 09 and bought a watch, been paying the minimum and it's almost paid off now. I was wondering when/if I could expect a CLI at 10 mos which is the amount of time they require before you can request a CLI.
When I called to ask, she said that I would have to go to a store to request the CLI, but I thought I heard others post that they received a CLI from Kay after 9-10 mos with out hard pull?
08-02-2010 05:52 PM
I have had my kays card since nov 08 haven't received a increase. Kay did soft me on my equifax last nov. Im not complaining my credit limit is 7500. Never going charge that much and haven't charge anything the last 5 months on it. But probably charge something on it in nov so they wont close it.
08-02-2010 09:21 PM
just got a credit limit increase tonight. I went to the store to buy my 2 month old daughter a pair of emerald(birth stone) earrings and me a nice watch. I asked for the salesman to call in for a credit increase knowing i got one in oct '09 from 1000 to 2100 limit, not thinking i would get one. They got me on the phone and stated that since the new laws are in effect they had to pull my Eq report. I was hesitant and then said yes anyways. She put me on hold and came back and said she would take me up 900 to 3000. I asked if she could go any higher and she said yes to 3300. Sucks for the hard pull but good for the 1200 increase... if you want to take a hit go to the store and ask for an increase. The lady on the phone told me you could request on every 6 months.
08-03-2010 09:55 AM
Oh no! So this means they don't do auto cli's after 12 months? That sucks...my anniversary is next month!!
09-22-2010 01:22 PM
After reading this forum, i applied and just got approved online for a 2,000 CL. BK 7 was discharged April 2010. Scores are TU - 606, EQ - 616. Thanks!
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