Accept or Decline CLI of only $100?

[kennerchick]

I don't know what to do!  I hit the love button and Cap 1 will only give me a $100 CLI on my platnium card.  Should I accept it or should I decline it and hope to get more at a later date??  I know if I accept it I can't do another for 6 months which is November

Thanks!

[Pway]

I would, allow another statement to cut and then request another one to see what will they offer.  

[Anonymous]

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@kennerchick wrote:

I don't know what to do!  I hit the love button and Cap 1 will only give me a $100 CLI on my platnium card.  Should I accept it or should I decline it and hope to get more at a later date??  I know if I accept it I can't do another for 6 months which is November

Thanks!

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Is this the early CLI? or have you already gotten your credit steps increase?

[RobertEG]

Are you seeking a CLI purely for credit scoring improvement, or do you need the additional spending flexibility offered by the higher CL?

If just for scoring, I would wait  bit.  $100 more in the denominator may have little effect.

What is the sum of your CL on all current cards?

[kennerchick]

I can use a bump in score and I can use the extra $$ as well, but I was hoping for more than $100

My CL on this card is $500, on QS1 $400, $300 of FPB and $700 on FPB.

[kennerchick]

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@Anonymous wrote:

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@kennerchick wrote:

I don't know what to do!  I hit the love button and Cap 1 will only give me a $100 CLI on my platnium card.  Should I accept it or should I decline it and hope to get more at a later date??  I know if I accept it I can't do another for 6 months which is November

Thanks!

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Is this the early CLI? or have you already gotten your credit steps increase?

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Early, just paid statement #2, but I have made 3 payments all together.  I made one before the 1st statement dropped.

[Anonymous]

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@kennerchick wrote:

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@Anonymous wrote:

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@kennerchick wrote:

I don't know what to do!  I hit the love button and Cap 1 will only give me a $100 CLI on my platnium card.  Should I accept it or should I decline it and hope to get more at a later date??  I know if I accept it I can't do another for 6 months which is November

Thanks!

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Is this the early CLI? or have you already gotten your credit steps increase?

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Early, just paid statement #2, but I have made 3 payments all together.  I made one before the 1st statement dropped.

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Wait it out. They probably have not yet soft pulled a new report. Give it another thirty days. The six month period will not be affected by this, it will start when you get your credit steps increase.

[kennerchick]

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@Anonymous wrote:

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@kennerchick wrote:

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@Anonymous wrote:

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@kennerchick wrote:

I don't know what to do!  I hit the love button and Cap 1 will only give me a $100 CLI on my platnium card.  Should I accept it or should I decline it and hope to get more at a later date??  I know if I accept it I can't do another for 6 months which is November

Thanks!

---

Is this the early CLI? or have you already gotten your credit steps increase?

---

Early, just paid statement #2, but I have made 3 payments all together.  I made one before the 1st statement dropped.

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Wait it out. They probably have not yet soft pulled a new report. Give it another thirty days. The six month period will not be affected by this, it will start when you get your credit steps increase.

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Thank you Norman.  Appreciate the help.

[Anonymous]

I was offered 100 cli and decided to wait, tried again two weeks later after a soft pull and was offered 1,000 increase. So went from 500 to 1, 500.

[jstap01]

Don't take the $100.  I was offered $100 up until yesterday.  I even got a letter saying that if I made a double payment for the next 4 months, they would give me $250.  For S&G I hit the love button today and got  $1500.