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Store card CLI's

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ecxpa
Valued Contributor
‎02-13-2014 07:31 PM
‎02-13-2014 07:31 PM

Store card CLI's

Do store card CLI's with SP help or hurt your overall credit.  Seems pretty easy to get CLI's on store cards but I don't want to be seen as having "too much available credit". 

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gdale6
Moderator Emeritus
‎02-13-2014 07:34 PM
‎02-13-2014 07:34 PM

Re: Store card CLI's

@ecxpa wrote:

Do store card CLI's with SP help or hurt your overall credit.  Seems pretty easy to get CLI's on store cards but I don't want to be seen as having "too much available credit". 

IMO they help but only to a point, my rule is once they reach 2K its enough I would much rather go after CLIs on my actual bankcards. The only one I excepted to this rule is my Wmart store card.

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-Wade-
Valued Contributor
‎02-13-2014 07:37 PM
‎02-13-2014 07:37 PM

Re: Store card CLI's

@ecxpa wrote:

Do store card CLI's with SP help or hurt your overall credit.  Seems pretty easy to get CLI's on store cards but I don't want to be seen as having "too much available credit". 

As long as it's a SP it will not hurt your score or credit

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
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