Asking for CLI

[Anonymous]

Will I hurt my chances by asking VIA the luv button?

I'm afraid to hit it thinking it may be to soon and the CC companies will be like WTH is this guys problem! and it will mess up my chances for the CLI to come naturally.

I have comindety, Synchrony Bank , chase, citi, capital one, barclay, US bank

I think capital one, comindety, and Synchrony Bank are all soft pulls. The others IDK

Will they get upset? or be like WTH is this guys problem? I'm just not wanting to make the person on the other end upset lol.

thoughts?

[Pway]

I can answer for Barclay and Capital One and Comenity.  How long has the Capital One account been open?  They have a strict 6 month rule they go by unless you are in the credit steps program, where most has been lucky before the credit steps has kicked in.  With Barclay's I would call and ask if there is an APR reduction offer on your account and if they say yes, ask if there is a SP CLI available as well. 

Comenity, it just depends.  However, what accounts do you have with them. 

[Anonymous]

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@Pway wrote:

I can answer for Barclay and Capital One and Comenity.  How long has the Capital One account been open?  They have a strict 6 month rule they go by unless you are in the credit steps program, where most has been lucky before the credit steps has kicked in.  With Barclay's I would call and ask if there is an APR reduction offer on your account and if they say yes, ask if there is a SP CLI available as well. 

Comenity, it just depends.  However, what accounts do you have with them. 

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I am in the credit step program with Cap 1. i've had them 2 months. Sl is 1000 and 750. I use them at min 4 x's a day each or ruffly 120+ transactions a month per card. I pay atleast 5-6 times a month on each card and let it report below 10%.

I've had barclay about the same amount of time. Ive charged 3500 through it. The problem with that card is I bought 2 apple products, well the problem with that is apple products are expensive so its been a huge purchase, that one also i pay as soon as I can. When the transaction is going complete I'm auto drafting a check to PIF. Never let a balance carry. If i made a 700 $ puchase I paid it within a few days

Comenity I have Miejers and some garbage cards but meijers is 500....Well We are a family of 5 so grocery shopping I'm forced to use another card because i will never max a card out. I think i used it once and it was like 264 but paid it off right away. Its just a hard card to use with a 500 SL

[Pway]

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@Anonymous wrote:

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@Pway wrote:

I can answer for Barclay and Capital One and Comenity.  How long has the Capital One account been open?  They have a strict 6 month rule they go by unless you are in the credit steps program, where most has been lucky before the credit steps has kicked in.  With Barclay's I would call and ask if there is an APR reduction offer on your account and if they say yes, ask if there is a SP CLI available as well. 

Comenity, it just depends.  However, what accounts do you have with them. 

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I am in the credit step program with Cap 1. i've had them 2 months. Sl is 1000 and 750. I use them at min 4 x's a day each or ruffly 120+ transactions a month per card. I pay atleast 5-6 times a month on each card and let it report below 10%.

I've had barclay about the same amount of time. Ive charged 3500 through it. The problem with that card is I bought 2 apple products, well the problem with that is apple products are expensive so its been a huge purchase, that one also i pay as soon as I can. When the transaction is going complete I'm auto drafting a check to PIF. Never let a balance carry. If i made a 700 $ puchase I paid it within a few days

Comenity I have Miejers and some garbage cards but meijers is 500....Well We are a family of 5 so grocery shopping I'm forced to use another card because i will never max a card out. I think i used it once and it was like 264 but paid it off right away. Its just a hard card to use with a 500 SL

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I would allow one more statement to generate before requesting a CLI with Capital One.  However, with Meijer they are one tough cookie.  I was just auto CLI on this card this month.  I opened this card up earlier this year.  Although I only pressed the CLI button once with them and I was denied.  Yes I can understand not maxing out a card.  It is just me and my mother so I just go in and buy random things I need around the house and sometimes groceries. 

[SouthJamaica]

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@Anonymous wrote:

Will I hurt my chances by asking VIA the luv button?

I'm afraid to hit it thinking it may be to soon and the CC companies will be like WTH is this guys problem! and it will mess up my chances for the CLI to come naturally.

I have comindety, Synchrony Bank , chase, citi, capital one, barclay, US bank

I think capital one, comindety, and Synchrony Bank are all soft pulls. The others IDK

Will they get upset? or be like WTH is this guys problem? I'm just not wanting to make the person on the other end upset lol.

thoughts?

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1. None of them will take it personal.

2. Barclays is a hard pull if you use the luv button.

3. Capital One is a soft pull if you use the luv button.

4. Citi is a hard pull if it asks for a specific amount you're requesting and says it will seek a credit report.

5. Synchrony Care Credit is hard pull. I don't know about other Synchrony cards.

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

Will I hurt my chances by asking VIA the luv button?

I'm afraid to hit it thinking it may be to soon and the CC companies will be like WTH is this guys problem! and it will mess up my chances for the CLI to come naturally.

I have comindety, Synchrony Bank , chase, citi, capital one, barclay, US bank

I think capital one, comindety, and Synchrony Bank are all soft pulls. The others IDK

Will they get upset? or be like WTH is this guys problem? I'm just not wanting to make the person on the other end upset lol.

thoughts?

---

1. None of them will take it personal.

2. Barclays is a hard pull if you use the luv button.

3. Capital One is a soft pull if you use the luv button.

4. Citi is a hard pull if it asks for a specific amount you're requesting and says it will seek a credit report.

5. Synchrony Care Credit is hard pull. I don't know about other Synchrony cards.

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Synchrony is not a hard pull unless it is Care Credit. Call Credit Solutions.

Also, I received a cli after three months from Capital One. Good luck!

[Countingpennies]

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@Anonymous wrote:

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@SouthJamaica wrote:

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@Anonymous wrote:

Will I hurt my chances by asking VIA the luv button?

I'm afraid to hit it thinking it may be to soon and the CC companies will be like WTH is this guys problem! and it will mess up my chances for the CLI to come naturally.

I have comindety, Synchrony Bank , chase, citi, capital one, barclay, US bank

I think capital one, comindety, and Synchrony Bank are all soft pulls. The others IDK

Will they get upset? or be like WTH is this guys problem? I'm just not wanting to make the person on the other end upset lol.

thoughts?

---

1. None of them will take it personal.

2. Barclays is a hard pull if you use the luv button.

3. Capital One is a soft pull if you use the luv button.

4. Citi is a hard pull if it asks for a specific amount you're requesting and says it will seek a credit report.

5. Synchrony Care Credit is hard pull. I don't know about other Synchrony cards.

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Synchrony is not a hard pull unless it is Care Credit. Call Credit Solutions.

Also, I received a cli after three months from Capital One. Good luck!

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Agree with all of the above. Definitely call on Synchrony cards, luv button and chat never worked for me. It's usually a good idea to make separate calls for each, although I did get CLIs on Amazon and Walmart in the same call. I'd already made separate calls on other cards, was getting a little worn down, when I called on Amazon, and the rep asked if there was anything else he could help me with, I said sure, could you take a look at my Walmart account? He did, nice CLIs on both.

One of the most important things I've learned, don't be afraid of the phone calls, and I hate phone calls. The auto increases don't come often, you have to ask.