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HI! I called earlier this morning bc it was 3-4 months from my last increase. My limit on the store card was $5600. The lady I called and talked to said you balance is only $200 and your credit line is $5600 and you still want an increase? I said yes please. She sounded shocked, like you have all those unused credit and ou still want one. She said how much would you like I said well in the past when I've called in I think I've been granted around $700, so lets say $800 she said OK.
She came back and kind of giggled. She said you must be one of the only ones I've seen still getting increases. She said it actually approved your for $1100 instead of $800 is that ok? I was like sure it is thank you so much!
In Aug 09, I opened a card with starting limit of $800.00. I checked my report few days ago and saw a nice bump to $2000.00.
I have a club account with Macys for $1100.00. There's been no change in limit for the club.
Wanted to let everyone know my experience with Macy's in the last week. I called the number on the back of my card on Feb. 7 to inquire about making payments online vs. in person -- how quickly they would post to my account, etc. The rep said it would post immediately, but that the credit wouldn't be available until midnight the following day. I made the comment that having such a low cl was so inconvenient that I could hardly make a purchase. The rep then made the statement that she noticed I've only had my card for about four months, and that I should wait until I've had the card for six months before requesting a gli.
I said "thanks for the advice"!
Forward to last night, Feb 16 -- I received a notice in the mail stating that I had been turned down for a cli and that they made a hard inquiry through Experian. I was infuriated. So I just got off the phone with a rep moments ago (took a good 1/2 hour or so to straighten out).
The rep stated that their policy has changed due to the "recession" -- that they used to do soft pulls, but now must do hard pulls because they consider external credit history for gli's (are they not able to do this with a soft pull???). I then told him that I did not actually request a gli and never gave permission for my credit report to be pulled. We went back and forth a bit while he placed me on hold to speak with a manager a couple of times -- and long story short -- they finally agreed to remove the inquiry from my report, and assured me that they would not make future hard pulls without my permission.
Whew! A lot to go through for such a small balance on a card. I thanked him for his assistance and then kindly informed him that this was far too much trouble and that I would simply use my other credit cards in the future.
Argh.....