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

Valued Member

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
6 REPLIES
New Member

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

 
Senior Contributor

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. Smiley Happy

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Gardening Since 10/25/2017
Valued Contributor

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.

gardening since 5/21/2016
Established Contributor

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 Emeritus

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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June 2017 update: All scores over 820, just pure gardening now.
Frequent Contributor

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.