topic Re: Shell credit card in Credit Card Applications

Shell credit card

razzy116 — Mon, 28 Sep 2020 14:02:07 GMT

I have a shell credit card, how long should i wait to ask for a credit limit increase? Thank you and be safe.

Re: Shell credit card

Brian_Earl_Spilner — Mon, 28 Sep 2020 15:07:42 GMT

Gonna need some info to answer your question.

What are your scores?

How long have you had it?

Have you ever missed a payment on it?

Have you ever had a returned payment?

When's the last time you asked for one?

What are your derogatories?

When's the last time you had a derogatory?

Are the derogatories updating?

What's your individual utilization?

What's your aggregate utilization?

How many inquiries do you have on each bureau?

How many inquiries in the last 12 months?

How many inquiries in the last 6 months?

How many new accounts have you opened in the last 12 months?

How many new accounts have you opened in the last 6 months?

Others might have more questions.

Re: Shell credit card

rostrow416 — Mon, 28 Sep 2020 16:09:06 GMT

I think it's 6 months.

Re: Shell credit card

Remedios — Mon, 28 Sep 2020 16:33:27 GMT

@razzy116 wrote:
I have a shell credit card, how long should i wait to ask for a credit limit increase? Thank you and be safe.

@razzy116 you have a thread in General Credit where our members asked some questions. If you want them to continue helping, you'd want to participate in your own threads.

Starting a few every day, but seldom coming back to them is not how it works.

Here , since you have multiple threads there, too.

Re: Shell credit card

gingerflower — Mon, 28 Sep 2020 17:06:11 GMT

@razzy116

I believe its 6 months depending on when you received your shell card. Shell is with Citibank and at times they can be pretty stingy!! Good Luck!

Re: Shell credit card

razzy116 — Mon, 28 Sep 2020 22:29:24 GMT

@Brian_Earl_Spilner wrote:
Gonna need some info to answer your question.

What are your scores?
How long have you had it?
Have you ever missed a payment on it?
Have you ever had a returned payment?
When's the last time you asked for one?
What are your derogatories?
When's the last time you had a derogatory?
Are the derogatories updating?
What's your individual utilization?
What's your aggregate utilization?
How many inquiries do you have on each bureau?
How many inquiries in the last 12 months?
How many inquiries in the last 6 months?
How many new accounts have you opened in the last 12 months?
How many new accounts have you opened in the last 6 months?

Others might have more questions.

Scores EX656, EQ 647, TU 667, Had the card 1 month, no missed payments, no returned payments, never asked for one, 2 collections that i"m paying, 2012 last derog, derogs are updating, what is individual utilization, what is aggregate utilization, EQ 9, EX 10, TU 7, EQ 2, EX 3, TU 1, 7 IN 12 months, 3 in 6 months.Thank you and be safe.

Re: Shell credit card

K-in-Boston — Mon, 28 Sep 2020 22:52:32 GMT

Asking any time in the near future would be a waste of a hard pull. I would aim for scores at least 720 prior to asking for a CLI on any CBNA managed account, preferably with no negative items still reporting.

Re: Shell credit card

razzy116 — Tue, 29 Sep 2020 00:43:48 GMT

@K-in-Boston wrote:
Asking any time in the near future would be a waste of a hard pull. I would aim for scores at least 720 prior to asking for a CLI on any CBNA managed account, preferably with no negative items still reporting.

Thank you K-in-Boston, i"m going to save this post so i can go back to it from time to time and i"ll do this to all the cards i have. Thank you and be safe.

Re: Shell credit card

razzy116 — Tue, 29 Sep 2020 01:53:40 GMT

Since this is a citi card could i get another citi card after i pay off the 2 collections i have with citi? Thank you and be safe.

Re: Shell credit card

Anonymous — Tue, 29 Sep 2020 01:58:45 GMT

Theoretically you could get every Citi card. In reality, it depends on your profile. Wanting to app for every card under the sun will stop it from happening.

Re: Shell credit card

razzy116 — Tue, 29 Sep 2020 03:53:33 GMT

@Anonymous wrote:
Theoretically you could get every Citi card. In reality, it depends on your profile. Wanting to app for every card under the sun will stop it from happening.

What you are saying is once my profile is cleared and my scores rise i could get another card from citi? Thank you and be safe.

Re: Shell credit card

Anonymous — Thu, 01 Oct 2020 10:15:21 GMT

Yes. Citi likes clean profiles and low inquiries. The less credit seeking behavior your profile demonstrates, the better your odds are of approval.