In 10/02 I got a pre-approved offer for a Household Bank MasterCard. It was about 18mos after my bankruptcy, and I got a 500CL. After 2 statements, I got a note in the mail saying HSBC was buying Household Bank, and my CL was being raised to 635, where it remained...for 9 years. Granted, I never asked for an increase, and I kept the card nearly maxed for years on end, and paid late twice about 5 years ago. It has a 59AF and no rewards, but I don't mind, considering it is 5 years older than my next-oldest account.
About 2 years ago I paid the balance in full, and put it in the sock drawer. 6 months ago I got a random email saying my CL had been raised to 835. I spoke with a CSR requesting a higher limit, but was told several times to call in 6 mos. During that time Cap1 has taken over my account, but I called the same number I always had and spoke to a CSR, who asked my annual income, told me my credit would be looked at (it wasn't) and approved me for another 200CLI and told me I'd be eligible for another increase in 6 mos. Although I don't really need the card anymore, it helps with my utilization, and I'm curious what Cap1 will do with it. Any ideas?
Starting Score: 595
They'll do you like everyone else.....
NO SOUP (CLI) FOR YOU!!!!!
is keep it in the SD and get a prime card!!!
NO SOUP (CLI) FOR YOU!!!!!
is keep it in the SD and get a prime card!!!
