topic Re: dell financial credit line increase in Credit Cards

Dell Financial credit line increase

ngerasimatos — Mon, 17 May 2010 01:59:23 GMT

Does dfs give out credit line increases? Have a recent account with them but the line is small, 2k. I want to get a cli so I can buy a new gaming system.

Re: dell finsncial credit line increase

Anonymous — Mon, 17 May 2010 00:23:24 GMT

I recently bought a camera from them. They reopened my account with a CL larger than the purchase.

I think making the purchase first may work better.

Re: dell finsncial credit line increase

ngerasimatos — Mon, 17 May 2010 01:59:52 GMT

How can I make the purchase first if I want the higher credit line to complete the actual purchase?

Re: dell finsncial credit line increase

Anonymous — Mon, 17 May 2010 04:05:06 GMT

Tell them you want to charge it to your account. The credit department will review it and give you an answer. They lose the sale if they don't approve it.

Re: dell finsncial credit line increase

Gibran — Mon, 17 May 2010 12:01:40 GMT

Speaking of Dell..I was going to get a computer my daughter who's going away to college, can either one of you give me insight as to their credit requirements for approval? FICO scores, what they don't like to see on CR's, what they like to see, etc...Any insight would be helpful..Thanks

Re: dell finsncial credit line increase

911gt34life — Mon, 17 May 2010 12:15:14 GMT

my is 6500 but i start at 1500 when up to 6500.

Re: dell finsncial credit line increase

ngerasimatos — Mon, 17 May 2010 13:29:05 GMT

Web Bank seems to be very laid back, to be honest. I was initially aproved when my scores were much lower and util was 25%. Hence why I want a recon for a higher CL..

Re: dell finsncial credit line increase

Woolfman — Mon, 17 May 2010 22:06:56 GMT

i actually have had good responses when calling them . I got them to give me a CLI and lower the interest before i made my last purchase through them .

Re: dell finsncial credit line increase

ngerasimatos — Mon, 17 May 2010 22:25:15 GMT

Did they do a hard it soft pull?

Re: dell finsncial credit line increase

Woolfman — Mon, 17 May 2010 22:32:36 GMT

soft pull . but honestly if your looking for a gaming system . go to the dell outlet website . save yourself a bunch of money and still get a kickin system. Thats what i did i saved about 800 bucks . same warranty . same everything . Mine just had a problem of some type for the first person who bought it . I have had zero issues with it and couldnt be happier.

Re: dell finsncial credit line increase

ngerasimatos — Mon, 17 May 2010 22:47:42 GMT

Funny you mnetion that. I am buying one from the outlet and also using my EPP discount on it as well.

Re: dell finsncial credit line increase

tengtengvn — Tue, 18 May 2010 03:25:35 GMT

Use Bing.com and search for Dell Home. You can earn 5% cashback from bing.com.

Re: dell finsncial credit line increase

ngerasimatos — Tue, 18 May 2010 17:14:21 GMT

Called Dell and requested a CLI. They said the account is too new and they cannot offer one at this time. The only option I was given was to close the account, and reapply requesting a higher CL.

Re: dell finsncial credit line increase

Macroman — Wed, 19 May 2010 00:51:18 GMT

Opened my DFS account at 3000 with approx 650 FICO and 70% util. Auto increase to 4000 at approx 680 FICO and 60% util. Now still at 4000 with 728 FICO and 45% util. I imagine that I could get it increased for a new purch if I want.My bal with Dell is 800/4000.

Re: dell finsncial credit line increase

ngerasimatos — Wed, 19 May 2010 00:52:57 GMT

How long was it before they gave you an auto increase? All my scores are in the 700s.

Re: dell finsncial credit line increase

Macroman — Wed, 19 May 2010 00:56:30 GMT

I had my account about 2 years at the time. I think the CLI had more to do with what they hoped that I would buy than anything else.

Re: dell finsncial credit line increase

ngerasimatos — Wed, 19 May 2010 01:00:44 GMT

Ah, I see. I have the cash to buy the machine I want but would rather just toss it on the Dell card since it has 0% for one year. I also am looking to try and get higher credit lines so I can start dumping all of my small limit credit cards, my goal is to leverage the purchase with a CL increase through Dell and PIF within 60 days All of my other cards are all between 1500-3000 CLs. However the main issue I keep running against has to do with the banks. They are reluctant to give me a higher CL that what I currently have.

Re: dell financial credit line increase

Macroman — Thu, 20 May 2010 00:20:15 GMT

I think you'd like to buy best bet is to tell Dell what you buy and see if they'll give you that much credit. The DFS account exists to facilitate a sale, after all.

Re: dell financial credit line increase

ngerasimatos — Thu, 20 May 2010 00:24:46 GMT

I would not mind doing so, however when I emaield them the CSR wrote back and said I was not eligible for a CLI at this time. Maybe I will call and ask the new orders department.

Re: dell financial credit line increase

ngerasimatos — Thu, 20 May 2010 00:52:08 GMT

Just got off the line with Dell, they stopped offer the "instant on demand" CLis last year. The CSR said I have to wait for a automated review as they are also nit currently doing manual manual CLIs at this time. LAME.