topic Credit Cards that won't give CLI in Credit Cards

Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 19:49:32 GMT

Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny

Re: Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 20:02:16 GMT

discover no longer grants CLI without a hard pull ------------> i no longer use thier card

Re: Credit Cards that won't give CLI

cranston3 — Fri, 04 Jun 2010 20:34:14 GMT

hsbc

Re: Credit Cards that won't give CLI

Imhotrodcrazy — Fri, 04 Jun 2010 21:23:28 GMT

CCCU

Re: Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 21:26:21 GMT

I don't see how you can make that work more than one billing cycle.

Re: Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 22:28:56 GMT

@Anonymous wrote:
Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny

With Cap 1, Citi, and Discover there is a minimum finance charge of $.50 so if you want to pay $.50 for the privilege of carrying a penny balance that is your right.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Re: Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 22:59:16 GMT

@Anonymous wrote:

@Anonymous wrote:
Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny

With Cap 1, Citi, and Discover there is a minimum finance charge of $.50 so if you want to pay $.50 for the privilege of carrying a penny balance that is your right.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Dang I forgot about that, guess i will PIF

Re: Credit Cards that won't give CLI

Anonymous — Fri, 04 Jun 2010 23:25:07 GMT

you pay for for the daily average balance if don't pif you pay for the entire cycle not just the $0.01 left

Re: Credit Cards that won't give CLI

Anonymous — Sat, 05 Jun 2010 01:49:37 GMT

@cranston3 wrote:
hsbc

HSBC does give CLI's. They are not currently accepting customer initiated increases but expect to within the next couple of months. Since they "froze" consumer initiated increases I have received an Auto CLI. They are just real picky right now. I run a TON of money through the card is the only reason I think I got the Auto. I literally pay the card in full 5 or 6 times a month. They are loving me for usage right now.

Re: Credit Cards that won't give CLI

Anonymous — Sat, 05 Jun 2010 10:29:28 GMT

@Anonymous wrote:
you pay for for the daily average balance if don't pif you pay for the entire cycle not just the $0.01 left

It's not just the $.01 they'll be collecting interest on. Paid in full means paid in full. Not paid in full = no grace period...on any of it. Expect new interest charges on your next statement after you leave that $.01 balance, and expect to not feel better when that happens. And depending on the size of your average daily balance, those interest charges could far surpass the minimum interest charge for your account.