BLUE NILE CREDIT CARD

[Anonymous]

CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much

[Creditaddict]

Comenity is a crazy odd bird... They are known on this card to give instant CLI after approval.

You can set up an online account without the account number with comenity.

comenity.net/bluenile most likely for  this card.... it's comenity.net/ whatever the card is.

set up online account and click you don't have account number.

you will see the button for credit line increase once logged in and you can keep hitting it over and over until it gives you the 7-10 message.

[Anonymous]

Ty! Very much

[ojefferyo]

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@Anonymous wrote:
CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much

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I recently applied for the card, got approved for $27k. Setup online account and tried for CLI but was denied.Then I used the phone system for an increase and pushed it up to $37.5k where it stopped. If i rememer correctly my EQ was in the upper 700's at the time of app. 

[SecretAzure]

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@ojefferyo wrote:

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@Anonymous wrote:
CAN someone please help me? I have a 675 Experian credit score and I want to apply for a Blue Nile credit card in need about 7,000 dollars of credit.. No bankruptcies no late payments but just one credit card line because I pay everything in cash. I have a mortgage on my credit as well with perfect payments. I am trying to get up to 700 and then apply thinking my chances will be better.

questions, what has your experience been when applying and what was your credit score? And I keep seeing people say to hit the credit line increase button and then they get this sudden high limit. Can you explain that and I am sorry for my ignorance. Thank you so much

---

I recently applied for the card, got approved for $27k. Setup online account and tried for CLI but was denied.Then I used the phone system for an increase and pushed it up to $37.5k where it stopped. If i rememer correctly my EQ was in the upper 700's at the time of app. 

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Woah, what is your income that you're getting such big CL's. (Not asking for actual income but a ballpark figure so we know more-or-less what is required for such high CLs)

[ojefferyo]

I own a business and I'm on the payroll and pay myself.

[Anonymous]

definitely wish I was in your boat. but on credit card applications anybody can put anything can't they? I make about 85,000. I'm just looking to get 7000

[ojefferyo]

Of couse anyone can put anything, it's up to you if you feel that it's worth it to you to lie about the income. What's your EQ score? That's what they pull. 

[Anonymous]

671. Should I wait?

[ojefferyo]

If you have no baddies you could probably get it, as far as how much they would give you is a different question. It's issued by comenity so it could go either way.