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eligible for first CLI!!!

Established Contributor

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: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
7 REPLIES
Valued Contributor

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.

As of 2017, rebuilding...
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|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

Re: eligible for first CLI!!!

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

As of 2017, rebuilding...
Established Contributor

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: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Valued Contributor

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

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

 

As of 2017, rebuilding...
Moderator Emeritus

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.