Thanks everyone for the replies. AlexisMachine, congrats on that CLI!
OK, so the whole "30 day" thing is still kind of a mystery, but I think we can safely state some things. It does seem to only be showing on cards that are decently utilized and it is merely a shortcut to the Account Services | Card Management | Increase Your Credit Limit screen. (If I navigate to that screen the manual way, it still instantly pops up the same pending or 30 day language I showed with the screen capture on page 1 of this thread.) It doesn't seem to override the "180 day rule." Got my hopes up for what appears to just be an automatic feature added to the new site design when a revolver is being utilized. Speaking of which, some of the redesign has been difficult to get used to for me. It took me until yesterday to figure out how to see pending Membership Rewards points, which used to just show up in a mouse-over over your current points on any MR-earning card.
@K-in-Boston wrote:I was just logging in to make sure that a payment went through on my SPG card and below Balance & Credit Details there was a big blue Increase Your Credit Limit button. I have never seen this before and it doesn't show on my other revolvers. I clicked on it just to see what would happen (I just got a $4500 CLI last week), and got the following message:
Our records indicate a request for a line of credit increase has already been submitted, and is currently being processed or that the line of credit on your account was increased within the last 30 days. Your account is not eligible for a new request at this time. Please call...
Has anyone else seen this? When I clicked, it went straight to that message without asking me to fill in the usual "Increase Line of Credit to this amount:" and "Total Annual Income:" boxes. The 30 day language above has me puzzled. Does this mean that if you're targeted for a CLI with this button that it bypasses the 180 day rule? I know the usual policy hasn't changed because I tried for the CLI a few days early before getting one last week, and earlier this week I got the letter for that request in the mail that stated the 180 day policy. Screencaps below. (The button reversed to blue text on white when I clicked back.)
I log in the day you posted this to my ED account and it wasn't there for me. I log in today to check my account and the increase button was there just like yours. For me, when I click it asks how much I want the new CL to be and then my income. That wasn't there before for me and it's not there on the mobile version.
It's tempting to try it!
The main question is anyone getting a cli sooner then 181 days after the last successful one?
The people that have gotten a cli, how many days since the last cli? or since the last request?
I've got this link on my BCE. It wasn't there yesterday for certain.
I received my CLI on 25 May. At the time, I requested 3x, but was only awarded a 2x increase to $4000. I'm tempted to push the button to see what it does in my case. It's only been 72 days since my CLI.
Edit: I hit the button. It took me to the CLI screen. I entered my info and requested 3x my current limit. I received the 7-10 day letter notice, followed by the call customer service email. I'm at 38% util right now (taking advantage of 0% intro APR and bought a computer. After receiving the email, I logged back in to find that the button is still there, and I am still at $4000 CL. I'll call them in the morning and report back what happens. I'm pretty certain they're going to tell me to wait 6 months from May.
Gardening as of: 23 JUL 2017 / FICO 8 (As of 14 Jul 2017): EQ: 663, TU: 723, EX: 680
@K-in-Boston wrote:
@AverageJoesCredit wrote:
If anyone cares to add it to my Amex , ill gladly Hulk Smash for the good of all FicolandHave at it!
ACK!!! Wha?? OMG... I'd simply faint having that account for so many different reasons!!!!