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@ChistineNJ wrote:
Ok i am now clueless now that i have the EO email to ask for a CLI how do i fourmulate the email? I have actually only had 2 billing cycles and have PIF i am enrolled in credit steps do I wait 2 more cycles or is it safe now?
IMHO
Wait until the credit step program is completed and here's the reason why.
After only two months since your approval most likely your scores drop from the HP and also when TL reported to CR's and scores haven't increased enough to justify a CLI.
If you wait until after the credit steps program you stand a better chance of having higher scores when they do manual review and will also see your spending habits.
What to include in the email:
Phone.number you can be reached at
Name
Reason why you think you should be given a CLI, APR reduction, rewards added, PC etc etc whatever it is you wish
Next step
You will get a call asking for ss# so they can pull up acct.
They will ask for income,mortgage or rent amount
Amount you're requesting and ask will you accept a counter offer....say yes
Tell you it will be a SP
And send to manual review
Check online account about 2 days later changes usually show up the night before they call you back with results
BTW I did it this way and had 2 accts doubled at the 6 month mark after getting CLI's from credit step program on the 5th month on both accounts