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!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.