Credit Cards

[jaysdad2k]

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MrShush wrote:
Is there a max you can request before they pull hard?

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"Last month I called in and asked about a CLI. The CSR said that he could submit a request for up to 1500 with no hard pull."

[MrShush]

Well, I pulled the trigger on a CLI. Asked for an even 3K to get me to 15K. We'll see. I really hope it isn't a hard or else I'm coming for you guys!!!

[score_building]

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MrShush wrote:

Well, I pulled the trigger on a CLI. Asked for an even 3K to get me to 15K. We'll see. I really hope it isn't a hard or else I'm coming for you guys!!!

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The upshot is that they generally will go up to 1500 sans HP, this has been the case with them for some time IIRC.  I had forgot that and requested 4k b4 this thread refreshed my memory

[MrShush]

oh Lord, now you tell me!

[beamMEup]

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jaysdad2k wrote:

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MrShush wrote:
Is there a max you can request before they pull hard?

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"Last month I called in and asked about a CLI. The CSR said that he could submit a request for up to 1500 with no hard pull."

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hey - I bet you'll be fine, mrshush.  how many hard inquiries do you currently have? 

[MrShush]

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beamMEup wrote:

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jaysdad2k wrote:

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MrShush wrote:
Is there a max you can request before they pull hard?

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"Last month I called in and asked about a CLI. The CSR said that he could submit a request for up to 1500 with no hard pull."

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hey - I bet you'll be fine, mrshush.  how many hard inquiries do you currently have? 

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Too many! 5 or 6 i think.

1 US Bank

2 Sallie Mae

1 Barclays

I think those are the ones that are still counting < 1 year.

[beamMEup]

Well, this varies all over the place, but last time I watched my inquiries (and nobody quote me on this because it is different for every single soul, every single time, apparently),

My 1st and 2nd inquiries cost me 0 points - nada.  

Then, my third inquiry cost me 5 FICO points.

My fourth and fifth inquiry cost me 0 points - nada.

Then my sixth inquiry cost me 7 FICO points.

I'll cross my fingers that you get no FICO hit for this particular inquiry.  But even if you did - that's a decent trade for the increased CL.

I do keep my inquiries down, but I don't think they're that damaging - especially for occasional CLI's on a very good card.

Was that other USBank inquiry for the opening of this card?  How old is it?  (sorry if you posted that and I failed to pick it up)

[MrShush]

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beamMEup wrote:

Well, this varies all over the place, but last time I watched my inquiries (and nobody quote me on this because it is different for every single soul, every single time, apparently),

My 1st and 2nd inquiries cost me 0 points - nada.  

Then, my third inquiry cost me 5 FICO points.

My fourth and fifth inquiry cost me 0 points - nada.

Then my sixth inquiry cost me 7 FICO points.

I'll cross my fingers that you get no FICO hit for this particular inquiry.  But even if you did - that's a decent trade for the increased CL.

I do keep my inquiries down, but I don't think they're that damaging - especially for occasional CLI's on a very good card.

Was that other USBank inquiry for the opening of this card?  How old is it?  (sorry if you posted that and I failed to pick it up)

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Thanks--I hope I don't add more to the tally either! Yes, the other inquiry was for the card opening in Nov. or Dec. of last year. (I didn't post it BTW)

[tennisfan78]

Just curious, did you get  Credit Limit increase that you have requested?

[MrShush]

Nope!