topic Re: Almost everyone turned me down for a CLI in Credit Cards

Almost everyone turned me down for a CLI

Anonymous — Thu, 01 Aug 2013 00:13:03 GMT

I just posted in the huge "How it works with NFCU" thread that they raised my limit from $6,500 to $12,000. And I don't even know how much they would have raised it, had I asked for more!

Just so no one thinks I'm trying to be a braggart, I went on a CLI request spree, and here are the results:

Bloomingdale's (a few days ago) raised from $100 (which was nearly inactive, I'm sure it had been more before I let it lapse for a while) to $1,500

Capital One: NO

Chase: No button is even available for the asking

Citi: NO

Sunoco: Application forwarded to Citi, I bet it's NO

Shell: Same

Amazon: NO

Paypal SmartConnect - can't find the button

Sam's Club: NO

Old Navy Visa: NO

Other Capital One, which used to be HSBC and is still on the old crappy "account central online" site"


Can I request a credit line increase?
At this time, Capital One is not accepting individual requests for credit line increases. For a specific question about your account, send us a secure message online.

Re: Almost everyone turned me down for a CLI

djc1puno — Thu, 01 Aug 2013 00:16:23 GMT

How long have you had the accounts that were denied clis?

Re: Almost everyone turned me down for a CLI

Skye12329 — Thu, 01 Aug 2013 00:16:24 GMT

I know for CAP1 you can ask for a CLI every 6 months, and they like to see you use the card a decent amount vs not using it at all. And They also like to see that you pay in full or at least a decent sized chunk. If you request again within 6 months they will decline the request then, i know this only because i read it all from their website. Also nice thing is when you ask its only a soft pull vs hard.

Re: Almost everyone turned me down for a CLI

Anonymous — Thu, 01 Aug 2013 00:20:09 GMT

I've had all of them for years. The newest ones are the gasoline cards. They're a little more than one year old and the other range from 1.5 to probably 6 or more years.

Re: Almost everyone turned me down for a CLI

djc1puno — Thu, 01 Aug 2013 00:49:28 GMT

How's ur util and usage? It should be good for cli base on age

Re: Almost everyone turned me down for a CLI

Anonymous — Thu, 01 Aug 2013 00:51:55 GMT

Overall, my utility is high. Some of these accounts are completely empty, though (zero balance) and in some cases, they won't even consider a CLI because they just don't do it (like the former HSBC card that was not even brought over to the Capital One platform) and as for some of the GECRB cards, it's a mystery to me why sometimes they grant a CLI and sometimes it comes back with an instant "no" (it might have to do with having gotten a CLI too recently.)

Re: Almost everyone turned me down for a CLI

Steelersboy — Thu, 01 Aug 2013 00:53:48 GMT

capone has given me an auto increase and will for my other card as well

Re: Almost everyone turned me down for a CLI

Anonymous — Thu, 01 Aug 2013 01:51:25 GMT

A good rule of thumb, IMO, with Navy Federal CLIs is to request between a 100% and a 150% increase with respect to your current CL. For example, if you currently have $10,000, request an increase to between $20,000 and $30,000. I'd aim for the middle and ask for $25,000, IF your payment history has been good and you aren't highly utilized on the card.

If the system has already picked you up for being eligible, it will either approve the requested amount immediately or counter with the maximum amount that has already been OK'ed by the system.

You can then either accept that maximum amount, or push it further for review (which WILL result in a HP). It's a good way to identify exactly how much NFCU's system has OK'ed for you.

Re: Almost everyone turned me down for a CLI

missjae — Thu, 01 Aug 2013 03:27:56 GMT

@Anonymous wrote:
I just posted in the huge "How it works with NFCU" thread that they raised my limit from $6,500 to $12,000. And I don't even know how much they would have raised it, had I asked for more!

Just so no one thinks I'm trying to be a braggart, I went on a CLI request spree, and here are the results:
Bloomingdale's (a few days ago) raised from $100 (which was nearly inactive, I'm sure it had been more before I let it lapse for a while) to $1,500
Capital One: NO
Chase: No button is even available for the asking
Citi: NO
Sunoco: Application forwarded to Citi, I bet it's NO
Shell: Same
Amazon: NO
Paypal SmartConnect - can't find the button
Sam's Club: NO
Old Navy Visa: NO
Other Capital One, which used to be HSBC and is still on the old crappy "account central online" site"

Can I request a credit line increase?
At this time, Capital One is not accepting individual requests for credit line increases. For a specific question about your account, send us a secure message online.

You can call and recon the CLI's for the GE cards. I did this with Lowe's. The system automatically said no, I called and went from $500 to $2,500. For Paypal, I think you have to call anyhow. I don't have a button either.

Congrats on the NFCU CLI.

Re: Almost everyone turned me down for a CLI

myjourney — Thu, 01 Aug 2013 03:32:27 GMT

Maybe I missed it but what UTL are you carryng?

Re: Almost everyone turned me down for a CLI

Anonymous — Thu, 01 Aug 2013 14:53:03 GMT

My overall utilization is 59%. Strangely, Navy just gave me two huge CLIs (I posted in that 48-page thread this morning.) So here is the reply I got back via secure message for my HSBC card (was not Orchard, just HSBC Platinum but somehow got tracked on their loser site - now managed by Capital One but not on Cap One's site.) Copy follows:

07/31/2013 07:18 PM

Would you consider raising my credit limit? I have had the account for many years and it's been managed perfectly. Thank you!

Card Member Services 08/01/2013 09:43 AM

Dear ________,

This is in response to your recent inquiry requesting a credit line increase on your credit card Account.

We are unable to process this request since our current policy does not allow for individual credit line increase requests.

We regret any inconvenience caused by this matter.

Sincerely,

S_____

Account Central Specialist
Cardmember Services

The HEXAGON DESIGN(R) (AND VARIATIONS), HSBC(R), THE WORLD'S LOCAL BANK(R), HOUSEHOLD(R) (AND DESIGN) and HOUSEHOLD BANK(R) are registered trademarks of HSBC Holdings plc or HSBC Finance Corporation and are used by Capital One by permission.

Capital One is the issuer of this account.

Capital One Bank (USA), N.A. and Capital One, N.A. will not send or request sensitive personal or account information through e-mail or the telephone. If you receive suspicious email or phone calls regarding your credit card account, contact us immediately at the phone number printed on the back of your credit card or on your billing statement.

Capital One, N.A., P.O. Box 703, Wood Dale, IL 60191-0703

Re: Almost everyone turned me down for a CLI

Creditaddict — Thu, 01 Aug 2013 16:41:07 GMT

@Anonymous wrote:
I just posted in the huge "How it works with NFCU" thread that they raised my limit from $6,500 to $12,000. And I don't even know how much they would have raised it, had I asked for more!

Just so no one thinks I'm trying to be a braggart, I went on a CLI request spree, and here are the results:
Bloomingdale's (a few days ago) raised from $100 (which was nearly inactive, I'm sure it had been more before I let it lapse for a while) to $1,500
Capital One: NO
Chase: No button is even available for the asking
Citi: NO
Sunoco: Application forwarded to Citi, I bet it's NO
Shell: Same
Amazon: NO
Paypal SmartConnect - can't find the button
Sam's Club: NO
Old Navy Visa: NO
Other Capital One, which used to be HSBC and is still on the old crappy "account central online" site"

Can I request a credit line increase?
At this time, Capital One is not accepting individual requests for credit line increases. For a specific question about your account, send us a secure message online.

GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)

Use this number for all the GE cards... call and ask 1 at a time... if the rep approves one, maybe give that same rep another account and do that too... if you get denied... hang up and call right back just so you get a fresh set of eyes looking at the next account... they pull SP's on the spot and do manual reviews. ASK HIGH just like Navy, they counter and maybe even throw in there, Navy increased my credit line to $12k yesterday and yet I only have $300 on this PayPal Card... How do I get this to be a PayPal MasterCard with a $6k limit? and see what they say and can do!!

since Old Navy is already a Visa that one gives you more reasons to give for higher limit!

Amazon, maybe suggest you are thinking about buying a new computer and taking advantage of the 0% but you can't do that without a $2500 limit and you would hate it maxed out for util so would really prefer the limit be at least $4500 or something.