05-03-2009 08:52 PM
So, I need my Zales card to be a little higher than $500. You know, I applied at the store and they didn't even ask me for my income, just checked my credit (not the best, currently EQ is in the 640's, though). My income is over 100K, though. My 6th statement will cut on the 6th and I am thinking if there is no auto CLI at 6 months, I should request a CLI. Of course it says that I give permission for them to pull my credit, so that is not encouraging. Anyone with a Zales card, I have 3 questions:
05-06-2009 10:35 PM
05-07-2009 06:01 AM
2. Being that your account is 6 months old, the original hard inquiry will stop being a FICO factor in 6 more months, so if you do incur a new hard, in 6 months you will be back down to just a single Zales inquiry having any impact.
3. If they will consider you income in the CLI decision, then it makes sense to do this as it will add to the decision. Are you spending on this account? Are you making payments or PIF? What derogs do you have that are holding your score down?
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