Frequent Contributor
ac921ol
Posts: 356
Registered: ‎11-16-2012
CC is offering $100 increase for $20...

I only have 2 CC 

cap1$1800

cred1$850 this is the card saying it will raise my limit. Should I try a back number? Does cap1 not just do a rate increase for nice people lol

 

store card

plenty/gap $600



12/28/13 (Garden Start Date)



Senior Contributor
jsucool76
Posts: 3,666
Registered: ‎12-11-2011
Re: CC is offering $100 increase for $20...

Cap1 never gives CLIs unless you call the EO...and I would never pay creditone for a CLI......I would just garden, and apply for a new card whenever you feel comfortable. 

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Frequent Contributor
ac921ol
Posts: 356
Registered: ‎11-16-2012
Re: CC is offering $100 increase for $20...

 

I assume you mean the back number by EO, I will try that with the cap1 card. So just keep my $850 limit and just apply for another card down the road.



12/28/13 (Garden Start Date)



Senior Contributor
jsucool76
Posts: 3,666
Registered: ‎12-11-2011
Re: CC is offering $100 increase for $20...
[ Edited ]

ac921ol wrote:

 

I assume you mean the back number by EO, I will try that with the cap1 card. So just keep my $850 limit and just apply for another card down the road.


Does it really seem reasonable to pay $20 for every $100 CLI? They probably charge the $20 to your card anyways, so you end up with an $80 increase in available credit...lol 

 

And EO is executive Office. How old is your cap1 card, and what are your scores like? 

 

Any Negs? 

 

Edit: Also your GAP card is a GECRB card...how old is it? Have you tried for a CLI with them? It is always a SP and they are known to be very generous. 

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Frequent Contributor
obageegee
Posts: 271
Registered: ‎09-30-2012
Re: CC is offering $100 increase for $20...

I recieved an unsolicited CLI from Crap! about a year ago. It was after a car loan.



Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Frequent Contributor
ac921ol
Posts: 356
Registered: ‎11-16-2012
Re: CC is offering $100 increase for $20...

my GECRB is from Sept 2009 $600 limit never asked for CLI

cred1 is from Jan 2008. $850 limit 

cap1 is from July 2008 

 

I haven't inquired in years for another card 

 

I have one collection

date assigned March 2010 

$837 medical. The original creditor still has the debt he just paid a firm to send me email/contact me. 



12/28/13 (Garden Start Date)



Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
Re: CC is offering $100 increase for $20...

Since the CC ACT these CCC will find a way to make up the fees the once charged initially

ccpics2.jpg
Senior Contributor
jsucool76
Posts: 3,666
Registered: ‎12-11-2011
Re: CC is offering $100 increase for $20...

ac921ol wrote:

my GECRB is from Sept 2009 $600 limit never asked for CLI

cred1 is from Jan 2008. $850 limit 

cap1 is from July 2008 

 

I haven't inquired in years for another card 

 

I have one collection

date assigned March 2010 

$837 medical. The original creditor still has the debt he just paid a firm to send me email/contact me. 


Call up and ask for a CLI on your GAP card. Doesn't hurt to try.

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