11-01-2012 03:59 PM
I app'd for a Sears card last saturday and got insta approved for a $2.5k CL. The issue is that they pulled twice, few days apart. They pulled saturday (reported on Sunday on CK) and pulled again yesterday (reported today on CK). I did call to ask if this was the MC card and general info about CLIs, but NEVER asked for a CLI. I did add an authorized user. The card doesn't even report the limit on CK yet!
Since I plan on going app-free for 6 months to a year it won't really affect me credit-wise, but it does bother me. To clarify: I didn't ask for a CLI, just general information if it is automatic (SP every 6 months), if I request one (any time and always HP), if it was the MC (not available to Puerto Rico) and if the authorized user reported to the credit agencies (yes).
11-01-2012 07:31 PM
They are both HP and on transunion (can't check experian till next month on credit.com). I'm waiting for the card to report to see what the limit is in case I get an increase and will leave it at that if I do. If I get a denial I'll dispute it if I have a chance at getting it removed. How hard is it to get a CCC to remove a HP? I thought that HPs couldn't be removed by the CCC and I had to dispute it with the CRA.
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