Credit Cards

[plasticguy]

Message Edited by plasticguy on 01-07-2009 09:49 PM

[brooklyngal]

It means that you're eligible for another one.  Click the link--hopefully you'll get approved for it automatically w/o a hard pull. 

When you got the last increase, you clicked that link, or was it though another method?

[ficonovice]

In my experience, when the option appears to request a CLI I've always gotten an increase of roughly 20% without a hard pull. It always has instantly approved me for the increase. Per others here, if a form appears for you to fill out, don't (unless you want a hard pull)....

Go for it and congratulations in advance for your approx. 20% CLI!!!

[plasticguy]

To make a long story short, when I opened the account and requested a CLI after 6 months I was denied without a pull due to a defaulted CIti account in the late 80's. They still were holding it against me. So, what I did was ask for a hard pull so they could see that there was no bad info on my reports. They said call back in 30 min. 15 min later increase was there


The request was done VIA Tools and Services, then a started the phone calls. I just don't see how they would offer another one after 3 months

Message Edited by plasticguy on 01-07-2009 09:22 AM

Message Edited by plasticguy on 01-07-2009 09:46 PM

[FretlessMayhem]

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ficonovice wrote:

In my experience, when the option appears to request a CLI I've always gotten an increase of roughly 20% without a hard pull.

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This has also been my experience. +1.

[psychic]

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plasticguy wrote: 

...I just don't see how they would offer another one after 3 months

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Citi has been offering me credit line increases about every 2-3 months.  So, it's not unusual. 

[plasticguy]

That's what I don't understand. Did you get an increase after 3 months? I know My PNC Bank Visa gives a soft every 3 months of 1500, maybe because I Bank there.

[psychic]

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plasticguy wrote:
That's what I don't understand. Did you get an increase after 3 months? I know My PNC Bank Visa gives a soft every 3 months of 1500, maybe because I Bank there.

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I did get an increase after 3 months. 

[plasticguy]

well congrats. I'm not sure if they replaced the button on all accounts or just the eligible ones. Thanks

[smallfry]

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plasticguy wrote:
well congrats. I'm not sure if they replaced the button on all accounts or just the eligible ones. Thanks

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The button disappears once you use the CLI option. Most people see it again after 3 months.