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When does Gap usually CLI?

Regular Contributor

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).

Message 1 of 6
5 REPLIES
Valued Member

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!
Message 2 of 6
Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 3 of 6
Regular Contributor

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! 

Message 4 of 6
Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 6
Regular Contributor

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?

Message 6 of 6