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What to do 1st apply for cc or cli current cards?

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Kels
Member

Re: What to do 1st apply for cc or cli current cards?

I'd go for the CLI first asking each creditor to do a soft pull. Some will agree, some won't but at least you have  a chance of higher limits and better utilization without hard pulls if you're successful. After getting some limit increases, I'd wait till the higher limits are reporting and then apply for new cards.


@quarius wrote:

I'm about to go on my first spree but don't know what to do 1st to maximize this round. Do i request cli 1st on the cards i have now or apply for new cc's, or the other way around? I know some of the cards will have hp and some will have sp. Or do i do it all on the same day? Thanks





Starting Score: 09/2012 635 EXP [myFICO]
683 EQ [myFICO] | 692 EXP [Lender] | 700 TRANS [Walmart FICO]

Current Scores are as of 08/2013: On my way to 700's. Too many Inquiries - In the GARDEN 08/2013
Message 11 of 12
Buckeye07
Established Member

Re: What to do 1st apply for cc or cli current cards?

I feel like its difficult, at least IME, to get cli's upon request...what sets of circumstances would you suggest have to be in place for cli requests to get approved?  

Message 12 of 12
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