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Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

eligible for first CLI!!!

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 Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: eligible for first CLI!!!

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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: eligible for first CLI!!!

+1 ... Ive gotten clis on nearly maxed out cards haha but I never ever ever ever miss payments!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: eligible for first CLI!!!

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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

Re: eligible for first CLI!!!


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 Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: eligible for first CLI!!!


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, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: eligible for first CLI!!!


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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: eligible for first CLI!!!

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


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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