topic Re: State Farm CLI Succes!! (Yeah) in Credit Cards

State Farm CLI Success!! (Yeah)

Anonymous — Sat, 11 Jun 2011 23:35:13 GMT

Well i call state farm i ask for CLI and the representive said let me take look at your account congratalation you where approved for $1,000.00 i ask him is that minimal and he said no we only do increaments of $500.00 but your payment history is very good i double to $1,000.00 i had to wait a Year thats there policy. I log in to my account and it show new CL

Re: State Farm CLI Succes!! (Yeah)

Anonymous — Sat, 11 Jun 2011 20:36:46 GMT

Congratulations!!!!

Re: State Farm CLI Succes!! (Yeah)

score_building — Sat, 11 Jun 2011 23:26:15 GMT

Congrats!

my SFB cc made a yr a few months ago, used the online luv button and also received 1k and HP on TU... the increase seemed a bit light in xchange for a HP, so sent secure msg asking for c. 5k, to be based on the same pull, and to my surprise they approved.

I think after the 1st yr with the card, a card holder becomes CLI eligible at 6 month intervals.

Re: State Farm CLI Succes!! (Yeah)

DI — Sat, 11 Jun 2011 23:36:27 GMT

Congrats to you! I closed my State Farm account. A HP for CLIs doesn't sit well with me. I had a long conversation with one of the reps. She got very sassy with me. She She told me SF can make hard pulls on its customers credit reports whenever they want. I ask her why would SF do that knowing a HP can decrease ones score. I told her to keep SF from having a reason to make a HP on my credit report, close my account immediately. That was the end of the SF error for me. I used to have CD, rental and car insurance with them.

Re: State Farm CLI Succes!! (Yeah)

Anonymous — Sat, 11 Jun 2011 23:39:42 GMT

Question you ask for two CLI in the same day?

Re: State Farm CLI Succes!! (Yeah)

score_building — Sat, 11 Jun 2011 23:41:20 GMT

@DI wrote:
Congrats to you! I closed my State Farm account. A HP for CLIs doesn't sit well with me. I had a long conversation with one of the reps. She got very sassy with me. She She told me SF can make hard pulls on its customers credit reports whenever they want. I ask her why would SF do that knowing a HP can decrease ones score. I told her to keep SF from having a reason to make a HP on my credit report, close my account immediately. That was the end of the SF error for me. I used to have CD, rental and car insurance with them.
At least the csr provided accurate information, that's a plus, any current lender can pull soft or hard.

Re: State Farm CLI Succes!! (Yeah)

score_building — Sun, 12 Jun 2011 03:03:06 GMT

@Anonymous wrote:
Question you ask for two CLI in the same day?

Essentially asked for a 'recon' on the 1k CLI they initially offered

sending a secure msg from SFB online, just a day or so after they had approved the standard 1k (decided to ask for larger increase after noticing they pulled hard, in an effort to maximize utility of HP)

thought perhaps a 50/50 chance since PIF, low overall UTI, 740s TU FICO, etc but still suprised at the affirmative result.

Re: State Farm CLI Succes!! (Yeah)

DI — Sun, 12 Jun 2011 00:01:14 GMT

@score_building wrote:
@Anonymous wrote:
Question you ask for two CLI in the same day?

Essentially asked for a 'recon' on the 1k CLI they initially offered

sending a secure msg from SFB online, just a day or so after they had approved the standard 1k (decided to ask for larger increase after noticing they pulled hard, in an effort to maximize benefits received from the HP)

thought perhaps a 50/50 chance since PIF, low overall UTI, 740s TU FICO, etc but still suprised at the affirmative result.

They should have informed me that a HP was needed like any decent bank would do. I did not give them my consent to make an HP on my reports. They process CLIs manually. The request is sent via email in a form format.

Re: State Farm CLI Succes!! (Yeah)

Anonymous — Sun, 12 Jun 2011 00:14:06 GMT

i will send message to tomorrow for Recon its too small CLI

Re: State Farm CLI Succes!! (Yeah)

score_building — Sun, 12 Jun 2011 00:20:57 GMT

@DI wrote:

@score_building wrote:
@Anonymous wrote:
Question you ask for two CLI in the same day?

Essentially asked for a 'recon' on the 1k CLI they initially offered

sending a secure msg from SFB online, just a day or so after they had approved the standard 1k (decided to ask for larger increase after noticing they pulled hard, in an effort to maximize benefits received from the HP)

thought perhaps a 50/50 chance since PIF, low overall UTI, 740s TU FICO, etc but still suprised at the affirmative result.
They should have informed me that a HP was needed like any decent bank would do. I did not give them my consent to make an HP on my reports. They process CLIs manually. The request is sent via email in a form format.

Yeah kinda caught off guard, since I didn't notice any indication on the form explicitly saying it would be an HP either.

Nontheless, we all give consent upon signing up for most major cc, the reference to it is routinely included in the t&c.

Re: State Farm CLI Succes!! (Yeah)

score_building — Mon, 13 Jun 2011 19:46:51 GMT

@Anonymous wrote:
i will send message to tomorrow for Recon its too small CLI

recommend asking if as a courtesy will offer additional increase by x amt using the same pull, for eg., a higher CL may make the card a better choice for regular use... not sure what difference it made but the tone of my inquiry was rather polite, appreciative and courteous throughout--thanking them for the inital offer, not demanding, highlighting credit profile as worthy of further consideration, to try for a bit more. YMMV. SFB was under no obligation to recon the CLI, pleased to find they could be amenable