Reply
Regular Contributor
Posts: 238
Registered: ‎10-18-2012
0

When does Gap usually CLI?

My 4th statement  cut on my Gap Store Card. Do they usually give auto CLI's after the 4th statement or is it the 6th? Or is Gap good at CLI's at all?  I thought maybe I would call in, but chickened out.  Not in the mood for a denial today. lol.  If utl is a big factor, I can count it out right now because my utl is high right now on my CRs. (Techincally it's already lowering because I've been paying off  my accounts to zero, but it's after they statement date so they won't report zero until next month).

Valued Member
Posts: 48
Registered: ‎02-07-2012
0

Re: When does Gap usually CLI?

From what I recall is that you can request a CLI by the 4th statement. 4

Auto CLI depends. Some have gotten afetr 2-3 statements others at a different time.

 

Good Luck!

Rebuilding Mode!
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: When does Gap usually CLI?


2ndTimeAround2012 wrote:

From what I recall is that you can request a CLI by the 4th statement. 4

Auto CLI depends. Some have gotten afetr 2-3 statements others at a different time.

 

Good Luck!


I got mine on my 3rd statement...it was auto....u can also call the backdoor every 2-3 months for increase, (from my experience)


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Regular Contributor
Posts: 238
Registered: ‎10-18-2012
0

Re: When does Gap usually CLI?

I bit the bullet and called in.  They gave me an increase of $200....for a total now of $400.  *Sigh* Oh well, it's progress! LOL! 

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: When does Gap usually CLI?


Fresh-Start wrote:

I bit the bullet and called in.  They gave me an increase of $200....for a total now of $400.  *Sigh* Oh well, it's progress! LOL! 


Did u talk toan underwriter?? They tend to give higher increases than the automated 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Regular Contributor
Posts: 238
Registered: ‎10-18-2012
0

Re: When does Gap usually CLI?


kobe2012 wrote:

Fresh-Start wrote:

I bit the bullet and called in.  They gave me an increase of $200....for a total now of $400.  *Sigh* Oh well, it's progress! LOL! 


Did u talk toan underwriter?? They tend to give higher increases than the automated 


No, I didn't. Can I still talk to them since they already gave me $200? Would it be a hard pull if I did?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.