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What cards are generous with CLI?
i have a Wayfair that I hit the luv button on. It bumped me from 750 up to 1,550.
i wish I’d known the trick to clear cache to try again.
i will do so in the future.
However, on the same day of that bump up I was denied child’s place and Victoria secret increases. The two I always use and PIF. So I was very sad and confused for that.
Those are the 3 store cards I have as I got them with the SCT.
After buying a home I will be looking to add more cards to my wallet.
For now though I’m just trying to get credit line increases. I will do the double luv tap for Wayfair once my 31 days are up (assuming it’s approved again) I’m only wanting soft pulls no hard pulls.
for or the record my scores are 660s to 680s up from the 580s from when I first joined this forum
We need to know your current cards to know which are SP/HP CLIs
Comenity can vary by card or minute if they'll HP for a CLI
Synch tends to be a SP except for a couple of cards
Big banks vary as well.
@Anonymous wrote:
Wayfair-1550 (started at 750 and increased last month.) I tried again 31 days later, today, and got a 7-10 day notice.
For these two, it has always been a 7-10 day.
Childrens Place-500 denied today for a CLI
Victoria's Secret-500 have only asked for a CLI once last month and was denied.
I got all these cards back in February. I've used each 3 times and paid in full.
What's the best way to get CLI on all of these?
Can someone explain what the "garden" is to me?
The garden simply means you're not applying for any new credit. While "gardening", you are letting inquiries fall off, accounts aging, etc.