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Valued Member
professor_g
Posts: 43
Registered: ‎08-26-2012
0

Macy's CLI Recon Call - Is it worth it?

Hey folks, 

 

So I did all my holiday shopping this weekend and applied for and was approved for a Macy's card (not sure if its the AMEX) but when I called to inquire about my limit via the automated system I learned my limit was $600.00  and I'm not too happy with that considering I was also approved for a Dillards AMEX with a $1000.00 limit the same day.  Should I just take the $600.00 or do you think it's worth a recon call to inquire about a  CLI? 

In My Wallet: AZSTCU Visa (13K) I Discover It (13K) I Home Depot (8K) I Citi TYP (6.2K) I Amex BCE (6K) I Dillard's Amex (5.5K) I BOA Cash Rewards (5K) I Chase Southwest Visa (3.25K) I Chase Freedom (3.25K) I Lowe's (2.25K) I Macy's (1.3K)

Starting Score: EX 586 EQ 551 TU 583 Current Score: EX 755 (CU PULL) EQ 803 TU 725
New Member
yardtree
Posts: 1
Registered: ‎05-30-2009
0

Re: Macy's CLI Recon Call - Is it worth it?

 
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,463
Registered: ‎10-02-2012
0

Re: Macy's CLI Recon Call - Is it worth it?

Pshh my sister got a $300 CL $600 sounds pretty good for me maybe you should just keep and create a great payment histoty and request a cli in the next 4 to 6 months? I ve see some great current cli, one guy from the forums got his CL from $300 to $1,500 maybe you can go from $600 to $2000. If you show them you can mange your credit limit correctly. :smileyhappy:

Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: Macy's CLI Recon Call - Is it worth it?


professor_g wrote:

Hey folks, 

 

So I did all my holiday shopping this weekend and applied for and was approved for a Macy's card (not sure if its the AMEX) but when I called to inquire about my limit via the automated system I learned my limit was $600.00  and I'm not too happy with that considering I was also approved for a Dillards AMEX with a $1000.00 limit the same day.  Should I just take the $600.00 or do you think it's worth a recon call to inquire about a  CLI? 


Take the limit and use it good...I started out with 300 on Dec 2011, increased to 1000 after 6 months and just got an increase last month to 2500 on a requested CLI SP...they are generous when it comes to CLI...i went from 300 to 2500 in one year. Wait at least 3 months and then ask for one.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Macy's CLI Recon Call - Is it worth it?

I would call in for a cli. Worse they can say is NO. You already took the hard hit for the inq.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Macy's CLI Recon Call - Is it worth it?

+1


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

Re: Macy's CLI Recon Call - Is it worth it?


professor_g wrote:

Hey folks, 

 

So I did all my holiday shopping this weekend and applied for and was approved for a Macy's card (not sure if its the AMEX) but when I called to inquire about my limit via the automated system I learned my limit was $600.00  and I'm not too happy with that considering I was also approved for a Dillards AMEX with a $1000.00 limit the same day.  Should I just take the $600.00 or do you think it's worth a recon call to inquire about a  CLI? 


It will grow. I started out with a $600 Macy's limit as well years ago and it eventually grew to $1,500 on its own, without even making any purchases.


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