07-17-2009 07:59 PM
I won't turn down any increases. I really am not interested in any new TL's that are less that $4K or $5K.
I really should raise my standards too. I've earned it...
07-17-2009 08:23 PM
Does 6 months seem to be the standard wait time with Wachovia between CLI requests?
I'm not sure. This was the first time I asked. But you can bet I'll ask again in December!
07-22-2009 02:54 AM
I've only asked for a CLI once with Wachovia. I was satisfied with the new limit I received, and have not asked again.
On that call, I was told to call back again in six months for another CLI. The rep also told me that I should have called much earlier than I did for the increase they gave me ( I had already had the account for a year or so, so the six months timeframe for CLIs seems to fit).
One caveat, however...I specifically said I did not want a CLI if it involved a hard pull on my report.
The CSR assured me there would not be a hard pull. But there was a hard pull, as I found out later. Perhaps the CSR didn't know the difference between a hard and soft pull...from other posters here, I think sometimes we know more about the subtle differences than the CSRs do.
Hope this helps, but please note that my CLI request was well ahead of the takeover by Wells Fargo. Things could be different today.
07-22-2009 03:33 AM
He also said that to avoid a late fee, payments must be made via the web by 4pm (I still don't know how to pay it online. Transfer?) and you can pay at the branch by 2pm.
llecs, yes...transfer from your deposit account with Wachovia to the credit card account.
Sorry...I missed answering that question in my previous reply.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.