topic Re: Blispay CLI ? in Credit Cards

Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 16:26:43 GMT

Has anyone got a cli from blispay yet... just curious on their willingness to do this .... and the time limit to wait

Re: Blispay CLI ?

Creditplz — Wed, 15 Jun 2016 16:44:08 GMT

Can't say I haven't tried.... Hahaha, no success.

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 17:12:06 GMT

I called cs and they told me i have to go into the closest branch to get a cli.... lol i told her they do not have a single branch... on hold again... then she came back and told me i have to go to the website... went to the website ... no place to request cli.... not even a contact us page to email... just phone number to cs.... ughhhh

Re: Blispay CLI ?

CreditCuriosity — Wed, 15 Jun 2016 17:13:51 GMT

They aren't currently offering CLI's on this card and probably won't be from others people that have asked at this time or anytime in the near future if at all

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 17:14:21 GMT

I think I read somewhere they were being handled by some weird bank, I wanna say TD maybe?? Maybe she meant that branch. I will see if I can find the thread!

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 17:20:45 GMT

@Anonymous wrote:
I think I read somewhere they were being handled by some weird bank, I wanna say TD maybe?? Maybe she meant that branch. I will see if I can find the thread!

Here it is!!

http://ficoforums.myfico.com/t5/Credit-Cards/Blispay-Interesting-FYI-TD-Card-Services/m-p/4590841/highlight/true#M1328100

Talks about TD Card Services and First Electronic Bank. Maybe one of them has the branch the csr was talking about? Or maybe she just didnt know what she was doing. LOL.

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 18:13:18 GMT

Sounds like their CS is wet behind the ears just like the card is. From what I've read in several threads on here, CLIs aren't an option with the Blispay card. More or less what you get is what you get. That's actually the only thing that's held me back from applying; I don't want to get stuck with one of the lower limits. In looking through the credit pulls database and reading on here, CL's range from $3k to $12k with most seeming to land in the $5k-$7.5k range, generally speaking. I'd be ok with $7k+ as a limit, but if I got approved for $3-4k I would feel like I wasted the app as I probably wouldn't use the card all that often. It would make me feel a LOT better about apping if I knew that there was an ability to receive a CLI at SOME point... even if it was 6 months or what have you from the time of approval.

I'd be very interested to hear from someone if they DO receive a CLI from Blispay, and if they do how they went about getting it.

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 20:28:20 GMT

Why would anybody apply for these cards?

**bleep**ty service, **bleep**ty limits that cant be improved, cards arent all that aesthetically pleasing, I dont see the appeal

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 20:38:42 GMT

Hoochzilla wrote:

Why would anybody apply for these cards?

**bleep**ty service, **bleep**ty limits that cant be improved, cards arent all that aesthetically pleasing, I dont see the appeal

Personally, disruptive rewards program adding >$199 financing offer to 2% cash back (instant monthly)

Re: Blispay CLI ?

jacetx — Wed, 15 Jun 2016 20:56:36 GMT

@Anonymous wrote:
Why would anybody apply for these cards?

**bleep**ty service, **bleep**ty limits that cant be improved, cards arent all that aesthetically pleasing, I dont see the appeal

- Customer service has been great for me.

- Can't complain about my $7.5k limit.

- The card I agree is not the best looking, I give you that.

- 2% cashback with no redemption threshold.

- What card is out there that gives 0% on purchases $199 and up for 6 months all the time?

Re: Blispay CLI ?

Anonymous — Wed, 15 Jun 2016 20:58:23 GMT

@jace8602 wrote:
@Anonymous wrote:
Why would anybody apply for these cards?

**bleep**ty service, **bleep**ty limits that cant be improved, cards arent all that aesthetically pleasing, I dont see the appeal
- Customer service has been great for me.
- Can't complain about my $7.5k limit.
- The card I agree is not the best looking, I give you that.
- 2% cashback with no redemption threshold.
- What card is out there that gives 0% on purchases $199 and up for 6 months all the time?

Re: Blispay CLI ?

Themanwhocan — Wed, 15 Jun 2016 21:12:47 GMT

@jace8602 wrote:
@Anonymous wrote:
Why would anybody apply for these cards?

**bleep**ty service, **bleep**ty limits that cant be improved, cards arent all that aesthetically pleasing, I dont see the appeal
- Customer service has been great for me.
- Can't complain about my $7.5k limit.
- The card I agree is not the best looking, I give you that.
- 2% cashback with no redemption threshold.
- What card is out there that gives 0% on purchases $199 and up for 6 months all the time?

And my first credit card with 7 consecutive zero's in the card number. Now THAT is a new card issuer...

Re: Blispay CLI ?

RonM21 — Wed, 15 Jun 2016 23:09:21 GMT

I've read mixed results on how people with this card feel about it so far. I initially wanted to get it when it first came out but decided against it to wait and see how things turned out. I think the card can be very useful, depending on your spending habits.

Re: Blispay CLI ?

Anonymous — Thu, 16 Jun 2016 01:34:30 GMT

To me the mixed feelings are good. It proves that the card is not that complicated. You either have a need for it or don't. You do not have to wade through program rules, delation, rewards charts, etc.

For what it is, it is the best card out there. 2% cash back (Instant) is better than any other card that has thresholds, minimums, etc. You may not like the instant but really, what does it matter, 2% now is actually better than 2% later as 2% later is actually not worth as much a year from now (over simplifying I know but...) also, no payments no interest anywhere, no other card does that. Flat 19.99% APR, no guessing.

So that fact they you either want it or don't is a sign of a great product for me. There is no convincing one side to move to the other as there really is no compelling way to sping the programs....

Re: Blispay CLI ?

wacdenney — Thu, 16 Jun 2016 03:48:37 GMT

The fact that the limits are lower and not as flexible doesn't matter as much with the card not reporting. With this card a 5k limit means you can use 5k of the limit instead of 30% or 10% of that 5k limit. So 5k on this card is just as good as 15k+ on a card that reports.

I'm loving my Blispay so far. I'm using it for all non-cat for the 2% and not having to worry about micro-managing the limit is great.

Re: Blispay CLI ?

Anonymous — Thu, 16 Jun 2016 15:48:24 GMT

Nice feedback so far in this thread.

To reiterate, no one has received a CLI on their Blispay card yet correct (or know anyone that has?)

Re: Blispay CLI ?

Anonymous — Thu, 16 Jun 2016 18:43:21 GMT

I do like the 2% immediate cb rewards... and the fact it is hidden... my limit is low , 2k but its like have a 20k limit card and uti of 10% thats nice.... i do have hope that as this card grows they will offer cli.... which only makes sense as they more you have the more most people spend. I do want better cs... as all i got was a call center. At least address the cli questions in faq page.

Re: Blispay CLI ?

core — Thu, 16 Jun 2016 19:08:56 GMT

@Anonymous wrote:
I do want better cs... as all i got was a call center.

You placed a telephone call to Blispay, and got a call center. A call center whose purpose it is to take telephone calls. And you're upset? Heh.

Blispay hasn't been out long enough to need a CLI policy. Just because they're not giving them out now doesn't mean they don't give them out. Nobody's had the card long enough to earn one, perhaps?

All I know is: If I was working in that call center and a customer called in after having the card for only 1 month asking for a CLI, I'd ask the customer what magically changed on his/her credit report in that short amount of time, and why they thought we should extend them more credit when they haven't even made more than one lousy $200 purchase. Maybe that's why I don't work in customer service.

Re: Blispay CLI ?

Anonymous — Sun, 21 Aug 2016 22:50:56 GMT

Agree with everyone on here the card is awesome just used it again to pay my $363 light bill .... ugh!! This will help hold me over a few weeks till my bonus check ... neway ... tru limits arent as much as important since its not reporting and I can actually use it up but I too want to know if or when CLI will be granted ... also tru we prob havent earned one yet but still good to know if we can ... either way Im enjoying no payments no reporting no interest while I can ... my $5k limit isnt that bad or good but Id put more utilization on this card then my 20k amex if I actually needed to carry a balance and not affect any of my scores or my DTI which is definitely more important ... following this thread for updates so far no issues with my Bpay and luvin it!!

Re: Blispay CLI ?

mystikal1 — Mon, 22 Aug 2016 00:51:33 GMT

I have had a First Electronic Bank CC from Frys electronics for several years. Never a CLI, on the webpage for my CC it states basically no CLI. Can't beat the 0% tho.