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I heard you need at least 4 months before you can request CLI
Does it mean 4 statements?
Do you need to have used your card in all 4 months?
The thing is, when i got my card, 2 days later my first statement closed already and i didn't have time to make a purchase, so the first month i had a $0 balance, no statement
Does that mean i will need to wait 5 months and that that first cycle doesn't count ? or i can still apply for CLI anyway after 4 months ?
what are your reports looking like?
it doesn't mean statements themselves. if you have 0 balance it doesnt generate one.
i made 2 purchases in the same week and actually returned half of the first one and after i pif (didnt even wait for the fourth statement)
called in for a cli with a person and approved me for 3k from 800.
my score was hovering around 690's and walmart tu was at 728 no baddies just lots of inq's and low aaoa.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
i only made one purchase in my second cycle, 2 weeks ago, my statement closes in 10 days
which number did you call? backdoor number ?
all my reports are clean, no negatives
only short report, 5 months long, next month i will get my first score
@pat0812 wrote:i only made one purchase in my second cycle, 2 weeks ago, my statement closes in 10 days
which number did you call? backdoor number ?
yeah the one in the back door thread.
it gave me the automated crap and i just kept hitting 0 until a live person came on and asked for it there. so technically i didnt speak to an underwriter but the rep fowarded it to them i guess.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@youngandcreditwrthy wrote:
Yeah, ime you need four statements with a balance and you need to make four on time payments to get the cli or you will get a cli denial every time with "not enough experience at current credit limit" from most gecrb cards.
So not using it for four months and keeping a zero bal will get you DENIED for a cli. From what Ive seen, they'll do auto clis after 2-3 statements if you PIF! :-)
its clearly ymmv then. like stated i used the card 2 times in september for a total of 184 dollars and returned about 35 of that.
pif before statement was due.
a balance was never reported.
i still dont have a generated statement.
but like i said i was denied via auto system but when i talked to the person i got approved.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |