topic Re: eligible for first CLI!!! in Credit Cards

eligible for first CLI!!!

jcstarkey8826 — Wed, 31 Oct 2012 14:01:36 GMT

So I just hit the 9 month mark with my charter one card. Im now able to request a CLI. I havent been worrying about paying off my CCs before the statement date because I havent needed anymore credit. Should I just have this CC paid off before I ask for the increase, or should I pay all before the due date and wait for them to update low util?

Im in no rush for the CLI, I just want to make sure I improve my chances as much as possible to get it before I do.

Re: eligible for first CLI!!!

maiden_girl — Wed, 31 Oct 2012 14:22:32 GMT

It doesn't matter if you have a balance going in. If you have good payment history and PIF each month with no problems...you'll be fine.

Re: eligible for first CLI!!!

youngandcreditwrthy — Wed, 31 Oct 2012 14:31:15 GMT

+1 ... Ive gotten clis on nearly maxed out cards haha but I never ever ever ever miss payments!!

Re: eligible for first CLI!!!

maiden_girl — Wed, 31 Oct 2012 14:33:14 GMT

creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.

Re: eligible for first CLI!!!

jcstarkey8826 — Wed, 31 Oct 2012 14:41:45 GMT

@youngandcreditwrthy wrote:
+1 ... Ive gotten clis on nearly maxed out cards haha but I never ever ever ever miss payments!!

Ok, good. Yes I have never missed ANY payments with them or any other CC I have. You have to go back 4 years to find a missed payment on my report.

I dont always pay in full, though I do make multiple payments throughout the month. Its $500 CL and I probably put 1k through it every month. sometimes I carry and then random times throughout the month ill pay it off. Will try for this CLI as soon as my payment posts!

Thanks guys!

Re: eligible for first CLI!!!

nicholasyud — Wed, 31 Oct 2012 14:51:40 GMT

@maiden_girl wrote:
creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.

Half of them from ( Congrat, lol, lmao and etc ) like this one LOL......

Re: eligible for first CLI!!!

maiden_girl — Wed, 31 Oct 2012 14:56:47 GMT

@nicholasyud wrote:
@maiden_girl wrote:
creditwrthy, I just noticed you've been on the boards since August and have 1,100 posts...OMG. LMAO.
Half of them from ( Congrat, lol, lmao and etc ) like this one LOL......

HAHA! Probably! LOL

Re: eligible for first CLI!!!

Shogun — Wed, 31 Oct 2012 15:12:05 GMT

On time payment history will go a long way on your CLIs. Congrats and good luck!