Got my Kay's card 12/08, good CL of 6.5K with a hard pull on EQ, my best score at the time of 700. 11 months later, got softed on TU, but no increase. Called the # for customer service, they said Kay's checks your account status once a year for CLI, but a request would be a hard pull. I passed. Spent 3K on no interest purchase when opened, another 300+ a few months later, also no interest. Never paid a cent in interest, always on time, even paid off one month early to be safe. I get constant e-mails and mailers. Haven't spent another dime. It's in the sock drawer, but DW loves the investment.
Starting Score: 500's Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com) Goal Score:760 X 3
Thank you for the information. I opened up mines in 08 too My credit limit is 7500. They pulled equifax for me too at the time my equifax score was around 690. I don't really use it. I try to buy something every six months because I don't want it closed for inactivity. I wouldn't want a hard inquiry so i will just wait till they increase the limit on their own. I was just curious how they worked on credit increase.
They closed my account once they found out I was unemployed I guess there credit dept called my work and they told them, it's the only line that actually checked into it, I got 20 accounts 6 months after I was unemployed.. It's not like I wasnt going to pay the bill or anything.. it was my highest limit too $3000
i opened a kay account last year was approved for 2100 with 625 eq fico. made a 900 purchase couple weeks later paid on time for 10 months called about a cli was immedialty increased to 3300 OVER THE PHONE WITH NO HARD PULL... couldnt believe it.... checked report 2 weeks later and there it is...new limit with no pull...
Starting Score: EQ 623 (1/28/10) TU 666 (1/28/10) Current Score: EQ 666 (3/4/10) TU 708 (3/4/10) Goal Score: EQ 680TU 700