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Established Contributor
jcstarkey8826
Posts: 680
Registered: ‎06-01-2012

eligible for first CLI!!!

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‎10-31-2012 07:01 AM

So I just hit the 9 month mark with my charter one card. Im now able to request a CLI. I havent been worrying about paying off my CCs before the statement date because I havent needed anymore credit. Should I just have this CC paid off before I ask for the increase, or should I pay all before the due date and wait for them to update low util?

 

Im in no rush for the CLI, I just want to make sure I improve my chances as much as possible to get it before I do.

 

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: eligible for first CLI!!!

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‎10-31-2012 07:22 AM

It doesn't matter if you have a balance going in. If you have good payment history and PIF each month with no problems...you'll be fine.

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
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Valued Contributor
youngandcreditwrthy
Posts: 3,779
Registered: ‎08-16-2012

Re: eligible for first CLI!!!

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‎10-31-2012 07:31 AM

+1 ... Ive gotten clis on nearly maxed out cards haha but I never ever ever ever miss payments!!
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: eligible for first CLI!!!

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‎10-31-2012 07:33 AM

creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Message 4 of 8 (291 Views)
 
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Established Contributor
jcstarkey8826
Posts: 680
Registered: ‎06-01-2012

Re: eligible for first CLI!!!

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‎10-31-2012 07:41 AM

youngandcreditwrthy wrote:
+1 ... Ive gotten clis on nearly maxed out cards haha but I never ever ever ever miss payments!!

Ok, good. Yes I have never missed  ANY payments with them or any other CC I have. You have to go back 4 years to find a missed payment on my report.

I dont always pay in full, though I do make multiple payments throughout the month. Its $500 CL and I probably put 1k through it every month. sometimes I carry and then random times throughout the month ill pay it off. Will try for this CLI as soon as my payment posts!

 

Thanks guys!

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
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Valued Contributor
nicholasyud
Posts: 1,589
Registered: ‎08-13-2012

Re: eligible for first CLI!!!

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‎10-31-2012 07:51 AM

maiden_girl wrote:

creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.

Half of them from ( Congrat, lol, lmao and etc ) like this one LOL......

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: eligible for first CLI!!!

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‎10-31-2012 07:56 AM

nicholasyud wrote:
maiden_girl wrote:

creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.

Half of them from ( Congrat, lol, lmao and etc ) like this one LOL......

HAHA! Probably! LOL

 

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Message 7 of 8 (259 Views)
 
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Moderator
Moderator
Shogun
Posts: 7,374
Registered: ‎04-15-2011

Re: eligible for first CLI!!!

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‎10-31-2012 08:12 AM

On time payment history will go a long way on your CLIs.  Congrats and good luck!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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