Best for phone requested CLI?

gibeon · ‎09-22-2016

So this is one of THOSE questions....

I "need" to buy an engagement ring tomorrow. However I don't currently have a single card with enough available credit as I just furnished a new house and won't get my raise /bonus until Late October some time. Poor planning on my part. I can swing the purchase by splitting over a couple cards but would rather not do so.

I'm tapped out at the moment with Navy (they've got my furniture charges), so my options are USAA, Barclays, possibly Chase, RBFCU, or just put it on my Amex PRG (but the interest rate sucks for pay over time).

I'm leaning towards asking USAA, but was hoping for some considered opinions.

Thanks in advance!

PS - No one is pregnant or dying, but there is a birthday, a visit to a favorite place, and fall foliage coming up next week so the timing is just about perfect. Oh, and I want to spend the rest of my life with this woman and would rather she know that sooner rather than later.

23 Open Bank Cards / 7 Open Store Cards / TOO many inquires / Mid/High 600's

sarge12 · ‎09-22-2016

Look for a 0% 21 month introductory offer...there was one sent to me recently from bank of America I believe.

TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20

austinguy907 · ‎09-22-2016

@sarge12 wrote:
Look for a 0% 21 month introductory offer...there was one sent to me recently from bank of America I believe.

Got the same offer here too. 18 months w/o a mailer... Not a whole lot of perks to it but, it would get the job done.

https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/

Aduke1122 · ‎09-22-2016

Aww this is very sweet , yes do it sooner rather than later , we never know how long we have . Congrats to you . Sorry I have no advice , is it time for a CLI on any of those cards ? Also why not maybe opening an account at Zales or Jarred or Blue Nile . I know Zales usually runs a 0 percent offer too.

gibeon · ‎09-23-2016

UPDATE:

So USAA is the big winner today. (Barclay's said they'd send a letter - one year anniversary last week on Arrival+)

I have three cards with them, but only one available for a cli request.

Called in, gave the stats, and instant approval of $9k credit limit increase. Will post the deets in Approvals later.

23 Open Bank Cards / 7 Open Store Cards / TOO many inquires / Mid/High 600's

Aduke1122 · ‎09-23-2016

Congrats OP