topic Re: Following the Board avive - increasing CLIs in Credit Cards

Following the Board advice - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:38:23 GMT

Those that have read my posts will know I have very few CCs, and don't want to apply for any more, but that I do want CLIs to improve everything in general. My plan was to wait until my newest (Juniper) card was a year old and apply for a CLI (current $7,500 CL, TU pull), and use that to push Chase ($2,000 CL, EQ pull) to a raise in my CL and in both cases to push for a drop in APR. That would be a TU and an hard EQ pull

So today I noticed today that all my inqus had aged off from EQ, so I pulled my score and it was 799 and I thought "Hmmmmmmm".

So I checked out my lowest and oldest card, from my Credit Union (13.9%, 2 years 11 months old, $1,500 CL) and saw they has a better card - no AF, <10% APR, and I know they pull EQ.

So I called and asked if I could transfer. They said yes, but it had a minimum $2,000 CL. So I went into the spiel I learned here about beating other cards for APR, getting a limit higher than my other cards etc, etc, and she said "Well why don't I just see how high I cam make the CL?"

I said fine.

4 hours later she called - approved, new CL of $10,000. A 70% increase in total available limit

This place is great. Better than Dear Dave any day!!

Message Edited by MidnightVoice on 10-15-2007 04:38 PM

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 20:28:27 GMT

I mean't ADVICE!!!!!!!!!!!!!!!!!!!!

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 20:34:57 GMT

Congrats!

I asked Exxon over the wekend and they gave me a 230% increase. In six months I will ask for another(double up then). I am actually tracking when I ask and how much I get -- so I can work this next year on CLIs rather than new cards to gain credit increases.

Re: Following the Board avive - increasing CLIs

smallfry — Mon, 15 Oct 2007 20:52:14 GMT

Nice Midnight. Now go get another high limit card.

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 20:54:51 GMT

smallfry wrote:
Nice Midnight. Now go get another high limit card.

No new cards!!!!!!!!!!!!!

No Sleigh Center for me!!

I will wait untill the Chase is over the 13 month mark, and make sure my EQ is nice and high, and maybe give them a call then

Re: Following the Board avive - increasing CLIs

fused — Mon, 15 Oct 2007 21:00:40 GMT

MidnightVoice wrote:

Those that have read my posts will know I have very few CCs, and don't want to apply for any more, but that I do want CLIs to improve everything in general. My plan was to wait until my newest (Juniper) card was a year old and apply for a CLI (current $7,500 CL, TU pull), and use that to push Chase ($2,000 CL, EQ pull) to a raise in my CL and in both cases to push for a drop in APR. That would be a TU and an hard EQ pull

So today I noticed today that all my inqus had aged off from EQ, so I pulled my score and it was 799 and I thought "Hmmmmmmm".

So I checked out my lowest and oldest card, from my Credit Union (13.9%, 2 years 11 months old, $1,500 CL) and saw they has a better card - no AF, <10% APR, and I know they pull EQ.

So I called and asked if I could transfer. They said yes, but it had a minimum $2,000 CL. So I went into the spiel I learned here about beating other cards for APR, getting a limit higher than my other cards etc, etc, and she said "Well why don't I just see how high I cam make the CL?"

I said fine.

4 hours later she called - approved, new CL of $10,000. A 70% increase in total available limit

This place is great. Better than Dear Dave any day!!

It's amazing how much you can accomplish by taking MY advice!

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:05:11 GMT

fused wrote:

It's amazing how much you can accomplish by taking MY advice!

Yours? Who are you? I don't recognize the name.

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 21:12:23 GMT

fused wrote:

It's amazing how much you can accomplish by taking MY advice!

YOUR advice.... I'M taking credit for that one AND a cut of the CLI...lol!!

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:15:47 GMT

Brammy wrote:

fused wrote:

It's amazing how much you can accomplish by taking MY advice!

YOUR advice.... I'M taking credit for that one AND a cut of the CLI...lol!!

Hey - you went AWOL soon after I arrived!!

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 21:20:13 GMT

MidnightVoice wrote:

Brammy wrote:

fused wrote:

It's amazing how much you can accomplish by taking MY advice!

YOUR advice.... I'M taking credit for that one AND a cut of the CLI...lol!!

Hey - you went AWOL soon after I arrived!!

But hey, you just made that move since I've been back...lol!!

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:23:32 GMT

Brammy wrote:

But hey, you just made that move since I've been back...lol!!

But I raised my score over 100 points while you were away - that must tell you something

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 21:24:02 GMT

MidnightVoice wrote:

Brammy wrote:

But hey, you just made that move since I've been back...lol!!

But I raised my score over 100 points while you were away - that must tell you something

I never said you were a dummy!!!!!

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:26:04 GMT

Brammy wrote:

MidnightVoice wrote:

Brammy wrote:

But hey, you just made that move since I've been back...lol!!

But I raised my score over 100 points while you were away - that must tell you something

I never said you were a dummy!!!!!

Thank you, but now you are back my score has gone up a measly 30 points. You have decreased my rate of increase!

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 21:29:22 GMT

Holy CLI batman! Wonderful, and super duper congrats!

Re: Following the Board avive - increasing CLIs

fused — Mon, 15 Oct 2007 21:34:01 GMT

When it comes to discussions on credit, no doubt Brammy knows her stuff but I'm the omniscient one!

Re: Following the Board avive - increasing CLIs

Anonymous — Mon, 15 Oct 2007 21:36:42 GMT

fused wrote:

When it comes to discussions on credit, no doubt Brammy knows her stuff but I'm the omniscient one!

Fused, don't make me take you into the Mod lounge for discipline

Re: Following the Board avive - increasing CLIs

MidnightVoice — Mon, 15 Oct 2007 21:39:26 GMT

Brammy wrote:

fused wrote:
When it comes to discussions on credit, no doubt Brammy knows her stuff but I'm the omniscient one!

Fused, don't make me take you into the Mod lounge for discipline

Hey you two, get a room!

Re: Following the Board avive - increasing CLIs

fused — Mon, 15 Oct 2007 22:09:03 GMT

Brammy wrote:

fused wrote:

When it comes to discussions on credit, no doubt Brammy knows her stuff but I'm the omniscient one!

Fused, don't make me take you into the Mod lounge for discipline

Ouch!

Re: Following the Board advice - increasing CLIs

haulingthescoreup — Mon, 15 Oct 2007 23:36:20 GMT

@MidnightVoice wrote:
So I called and asked if I could transfer. They said yes, but it had a minimum $2,000 CL. So I went into the spiel I learned here about beating other cards for APR, getting a limit higher than my other cards etc, etc, and she said "Well why don't I just see how high I cam make the CL?"

Nothing like using that smooth Midnight Voice on the flustered ladies at the CU! nice work, and yay for credit unions.

Re: Following the Board advice - increasing CLIs

MidnightVoice — Tue, 16 Oct 2007 00:06:31 GMT

@haulingthescoreup wrote:
@MidnightVoice wrote:
So I called and asked if I could transfer. They said yes, but it had a minimum $2,000 CL. So I went into the spiel I learned here about beating other cards for APR, getting a limit higher than my other cards etc, etc, and she said "Well why don't I just see how high I cam make the CL?"
Nothing like using that smooth Midnight Voice on the flustered ladies at the CU!

And you have not even heard the British Accent