topic Re: Which lender best for Auto Cli's? in Credit Cards

Which lender best for Auto Cli's?

revvystoke — Thu, 29 Aug 2013 17:47:41 GMT

I have the cards listed below in my signature, are any of the lenders known for auto cli's? I don't want any new accounts or hp's. I just did the amex 3x cli so won't be eligible again until November. All have been pif but some unexpected expenses came up so citi and boa will have 2k total between them. Monthly spend is 5k.

My scores have gone up a few points since approval, My newest is the United card opened almost 4 months ago the rest are older. I'll spend on whichever card has the best chance for a auto cli.

Re: Which lender best for Auto Cli's?

parakleet — Thu, 29 Aug 2013 17:52:19 GMT

I just posted about my auto cli from Discover. Got it after 4th stmt - heavy use. I've heard others report that Discover definitely likes heavy use.

Re: Which lender best for Auto Cli's?

09Lexie — Thu, 29 Aug 2013 17:54:34 GMT

+1
And you can try WalMart Discover

Re: Which lender best for Auto Cli's?

Creditaddict — Thu, 29 Aug 2013 17:57:16 GMT

Your next Amex will be 6 months.

You can request online from Walmart Discover every 4 statements, or you can call credit solutions for a manual SP review for HUGE increases whenever.

Discover (real Discover) now offers SP CLI requests every 90 days... you have to call in and ask for SP, otherwise you have to wait for the auto.

Re: Which lender best for Auto Cli's?

revvystoke — Thu, 29 Aug 2013 19:42:38 GMT

@Creditaddict wrote:
Your next Amex will be 6 months.
You can request online from Walmart Discover every 4 statements, or you can call credit solutions for a manual SP review for HUGE increases whenever.
Discover (real Discover) now offers SP CLI requests every 90 days... you have to call in and ask for SP, otherwise you have to wait for the auto.

Thanks for the heads up, they are my oldest account, but always been a HP for both cli's since I first got it, instant for $1500. I guess I will wait and see what citi does, its a simplicity so maybe they will favor having a BT balance carried.

Re: Which lender best for Auto Cli's?

Anonymous — Fri, 30 Aug 2013 00:30:55 GMT

Just wondering for my end, how about the Chase United card? Do they do Auto CLIs often? Does little or heavy use matter to them? (assuming good credit)

Re: Which lender best for Auto Cli's?

Creditaddict — Fri, 30 Aug 2013 00:35:46 GMT

@Anonymous wrote:
Just wondering for my end, how about the Chase United card? Do they do Auto CLIs often? Does little or heavy use matter to them? (assuming good credit)

Chase seems rare but recent posts have showed TONS of use and payments gets CLI (IF ANY)

Re: Which lender best for Auto Cli's?

qt33 — Fri, 30 Aug 2013 01:02:25 GMT

Not Home Depot!

I opened my acct in Sept 2011 and never got a CLI. My parents constantly get CLI's with there HD acct. So I called and asked how come I never got any CLI's. The rep told me they discontinued that feature with new accounts. She said they used to do it but so many people complained, so they discontinued the practice. She then advised that if you want your account to be considered for periodic automatic CLI's, you have to request that feature....

Re: Which lender best for Auto Cli's?

Anonymous — Fri, 30 Aug 2013 01:06:22 GMT

@qt33 wrote:
Not Home Depot!

I opened my acct in Sept 2011 and never got a CLI. My parents constantly get CLI's with there HD acct. So I called and asked how come I never got any CLI's. The rep told me they discontinued that feature with new accounts. She said they used to do it but so many people complained, so they discontinued the practice. She then advised that if you want your account to be considered for periodic automatic CLI's, you have to request that feature....

People complained about the auto CLIs?

Re: Which lender best for Auto Cli's?

Anonymous — Fri, 30 Aug 2013 01:14:11 GMT

@Anonymous wrote:
@qt33 wrote:
Not Home Depot!

I opened my acct in Sept 2011 and never got a CLI. My parents constantly get CLI's with there HD acct. So I called and asked how come I never got any CLI's. The rep told me they discontinued that feature with new accounts. She said they used to do it but so many people complained, so they discontinued the practice. She then advised that if you want your account to be considered for periodic automatic CLI's, you have to request that feature....
People complained about the auto CLIs?

Most of the time no, but for the more "useless" cards, I can see it happen.

Not everyone wants a 10k CL on a GAP card for instance, and most people do not have very high income as well. It can get frustrating if a certain lender keeps giving you auto CLI on a card that you don't need high CL on, and that in turns steers away other cards that you deem to be more useful and would like to have a higher CL on.

Re: Which lender best for Auto Cli's?

Anonymous — Fri, 30 Aug 2013 01:17:03 GMT

@Anonymous wrote:
@Anonymous wrote:
@qt33 wrote:
Not Home Depot!

I opened my acct in Sept 2011 and never got a CLI. My parents constantly get CLI's with there HD acct. So I called and asked how come I never got any CLI's. The rep told me they discontinued that feature with new accounts. She said they used to do it but so many people complained, so they discontinued the practice. She then advised that if you want your account to be considered for periodic automatic CLI's, you have to request that feature....
People complained about the auto CLIs?
Most of the time no, but for the more "useless" cards, I can see it happen.
Not everyone wants a 10k CL on a GAP card for instance, and most people do not have very high income as well. It can get frustrating if a certain lender keeps giving you auto CLI on a card that you don't need high CL on, and that in turns steers away other cards that you deem to be more useful and would like to have a higher CL on.

I see, gotcha.

Re: Which lender best for Auto Cli's?

qt33 — Fri, 30 Aug 2013 02:15:24 GMT

Thanks, that makes sense because I honestly thought the rep was lying. I was thinking who would complain about a CLI increase? But that makes sense to complain on a useless account.

Re: Which lender best for Auto Cli's?

Anonymous — Fri, 30 Aug 2013 02:35:43 GMT

@qt33 wrote:
Thanks, that makes sense because I honestly thought the rep was lying. I was thinking who would complain about a CLI increase? But that makes sense to complain on a useless account.

"Aww man, not another $10K Home Depot CLI! I guess i'll buy more wood...."