03-19-2009 07:30 AM
I called today for my first CLI--I have had the card since December and am at a littl eover 3 months.
Initial CL- $800
And thanks to everyone here--you guys showed me I could do it!
Now just can't see why Best Buy won't also show me the luv--have tried the button twice to no avail. Hmmmm...
03-19-2009 08:20 AM
03-19-2009 08:27 AM
03-19-2009 08:27 AM
i was told they review internal history and/or soft pull. if you request an amount that is too close or exceeds your internal risk limit they may hard pull at their discreition. if your balances are maxed on all of your cards it is not the right time to ask for cli -even at macy's. you will likely become eligible only after you pay down your balances to under 50% or thereabouts. gl.
What satisfies Macy's as far a being eligible for CLI's i called last month they didnt grant me any CLI's do they soft or hard pull when you request? Ive had my account since september!
03-19-2009 08:35 AM
03-19-2009 08:37 AM
Macy's checks for a GLI (their terminology for a CLI) every 4 billing cycles. A good payment schedule, purchases in-store and online, and your internal history with them gives the best shot at a GLI.
Every 3 Billing Cycles Actually
03-19-2009 08:42 AM
03-19-2009 08:57 AM
First off congrats to LisaJ for getting the GLI from Macy's. Second, who did you call?
Just curious since my DW is already at platinum level in spending this year, but has received no GLI and no platinum card. (They told her on the phone it is every six months for increases and only once a year (at the end of the year) for card upgrades.
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