topic Re: Does Allaint CU give automatic credit limit increases ? in Credit Cards

Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 02:04:42 GMT

Received cc in june/2009 with $7500 max - do they give credit limit increases without asking ?

Re: Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 02:09:57 GMT

DH has had an Alliant CU CC for 23 months (July 09). Opened at $10,000 and still there.

I've seen posts that suggest CLI's are always by request and are accompanied by a hard pull.

But, at one time a while back, IIRC, a folk or two reported an auto CLI at between 9-18 months.

I like Alliant fine.

Re: Does Allaint CU give automatic credit limit increases ?

visorboy1974 — Fri, 24 Jun 2011 02:15:45 GMT

@Anonymous wrote:
DH has had an Alliant CU CC for 23 months (July 09). Opened at $10,000 and still there.
I've seen posts that suggest CLI's are always by request and are accompanied by a hard pull.
But, at one time a while back, IIRC, a folk or two reported an auto CLI at between 9-18 months.

I like Alliant fine.

You have to ask for a CLI. It'll result in a EQ hard. They're very generous though. I just asked for one about a month ago...went from $500 to $15K.

Re: Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 02:26:11 GMT

@visorboy1974 wrote:
You have to ask for a CLI. It'll result in a EQ hard. They're very generous though. I just asked for one about a month ago...went from $500 to $15K.

Wow! You must have been a very well behaved visorboy!

What, if you don't mind being asked, is your current interest rate with them?

Re: Does Allaint CU give automatic credit limit increases ?

visorboy1974 — Fri, 24 Jun 2011 02:39:35 GMT

@Anonymous wrote:
Wow! You must have been a very well behaved visorboy!

What, if you don't mind being asked, is your current interest rate with them?

Went from 21% to 10.25% after the CLI request.

Re: Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 02:40:46 GMT

Double bonus!

I take it your CR is looking better now than then?

Re: Does Allaint CU give automatic credit limit increases ?

visorboy1974 — Fri, 24 Jun 2011 02:45:52 GMT

@Anonymous wrote:
Double bonus!

I take it your CR is looking better now than then?

I was about 650 when I got the credit line and they basically told me to use the card for 6 months and if they saw good payment history, they'd bump me up to a more generous limit. I called and asked for $5K and they told me I was eligible for $15K...I jumped all over it. I believe I was 708 EQ when I asked for the CLI.

I also have a car loan and keep my main savings/checking accounts with them, so that may have helped some too.

Re: Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 12:47:03 GMT

Called alliant this morning - they increased me from 7,500 to 11k - I'll take it . My two highest credit limits are with credit unions . I'm done until next June. My apping/requesting limit increases spree has increased my available credit 300% . I have a great mix , and 8 accounts. that is my max as far as number of cards. Now i just let my new accounts age and get my eyes on applying for amex in about 2 years. I had issues with them in the past . paid charge off .

Re: Does Allaint CU give automatic credit limit increases ?

visorboy1974 — Fri, 24 Jun 2011 12:49:10 GMT

@Anonymous wrote:
Called alliant this morning - they increased me from 7,500 to 11k - I'll take it . My two highest credit limits are with credit unions . I'm done until next June. My apping/requesting limit increases spree has increased my available credit 300% . I have a great mix , and 8 accounts. that is my max as far as number of cards. Now i just let my new accounts age and get my eyes on applying for amex in about 2 years. I had issues with them in the past . paid charge off .

Congrats!

Re: Does Allaint CU give automatic credit limit increases ?

UFGuy2006 — Fri, 24 Jun 2011 12:53:40 GMT

@Anonymous wrote:
Called alliant this morning - they increased me from 7,500 to 11k - I'll take it . My two highest credit limits are with credit unions . I'm done until next June. My apping/requesting limit increases spree has increased my available credit 300% . I have a great mix , and 8 accounts. that is my max as far as number of cards. Now i just let my new accounts age and get my eyes on applying for amex in about 2 years. I had issues with them in the past . paid charge off .

Not bad!! Congrats!

Re: Does Allaint CU give automatic credit limit increases ?

castlefox — Fri, 24 Jun 2011 14:52:09 GMT

Do you guys have the regular credit card of reward one where you get points for stuff ???

I think I will need to call Alliant soon because I am just coming over the 6 month mark with a 1,000 CL @ 10.3 APR

Re: Does Allaint CU give automatic credit limit increases ?

visorboy1974 — Fri, 24 Jun 2011 15:11:02 GMT

@castlefox wrote:
Do you guys have the regular credit card of reward one where you get points for stuff ???

@I think I will need to call Alliant soon because I am just coming over the 6 month mark with a 1,000 CL @ 10.3 APR

I just have the regular one. They offered me the rewards card at 2% higher interest rate. I decided to stick with the regular one for now.

Re: Does Allaint CU give automatic credit limit increases ?

Anonymous — Fri, 24 Jun 2011 16:15:21 GMT

@castlefox wrote:
Do you guys have the regular credit card of reward one where you get points for stuff ???

@I think I will need to call Alliant soon because I am just coming over the 6 month mark with a 1,000 CL @ 10.3 APR

We have the rewards card with 10.9variable - oh, is currently 11.24%.

The rewards aren't super awesome but we've put our points to good use.