topic Re: Is the Old Navy online CLI button a SP? in Credit Card Applications

Is the Old Navy online CLI button a SP?

Anonymous — Mon, 16 Mar 2015 03:26:42 GMT

I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

Thanks!

Re: Is the Old Navy online CLI button a SP?

chalupaman — Mon, 16 Mar 2015 03:35:12 GMT

@Anonymous wrote:
I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

Thanks!

It's a SP. You can also call Credit Solutions or ask for an increase on chat. I'd recemmend either of those instead because you can request how high you wanna go.

Re: Is the Old Navy online CLI button a SP?

Anonymous — Mon, 16 Mar 2015 03:40:51 GMT

Awesome! Thank you!

Re: Is the Old Navy online CLI button a SP?

pipeguy — Mon, 16 Mar 2015 15:31:51 GMT

Keep in mind that a "National Bank Card" (aka MC/V) is a better account on your credit report than a "store card".

I don't have very many store cards left (Amazon which I use a lot and Walmart for FICO scores and special financing offers) so I jumped on my recent offer for Old Navy to convert to a Visa card - I was actually going to close the card later this year because its a store card I don't use much, but now its another $5k national bank card on my credit report that I'll probably use enough to keep it active.

To be fair I also have a Lowes Card and Home Depot Card - both have high credit limits, and I suppose those are "store cards" too.

Re: Is the Old Navy online CLI button a SP?

Creditaddict — Mon, 16 Mar 2015 15:23:07 GMT

@Anonymous wrote:
I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

Thanks!

I would have taken the upgrade... usually comes with a sizable increase in limit!

Re: Is the Old Navy online CLI button a SP?

Anonymous — Mon, 16 Mar 2015 17:59:54 GMT

I would have upgraded if I wasn't in the middle of getting a mortgage where my credit history is pretty new. (It's only 20 months old sadly.)

After closing I will try and upgrade again I did log in and saw a 1.4k limit! That's double my $700 limit at least

Re: Is the Old Navy online CLI button a SP?

Creditaddict — Mon, 16 Mar 2015 19:03:03 GMT

@Anonymous wrote:
I would have upgraded if I wasn't in the middle of getting a mortgage where my credit history is pretty new. (It's only 20 months old sadly.)

After closing I will try and upgrade again I did log in and saw a 1.4k limit! That's double my $700 limit at least

oh yeah, good idea!

Re: Is the Old Navy online CLI button a SP?

MarineVietVet — Tue, 17 Mar 2015 22:42:01 GMT

Split off to start a new thread in Credit Cards.