Not sure if anyone else has gotten the pop up, but this is the first time I've seen it. I remember a lot of people didn't want a Dell account since it never grew. It looks like they might be changing that policy. I bought an $1,800 PC a few months ago. I logged in to check the status of a few things days ago, and captured two pages. The first on the left wanted me to update my income information just in case of a CLI later and the second suggesting sort of the same thing. I hope this helps someone!
The've always had them, but they were rare. That being said there have been a couple of reported auto CLIs lately.
@coldfusion wrote:Keep in mind that CC issuers in the US are required by law to ask you to update your income information on a regular but infrequent basis. The updated information can legitimately be used as part of the process assessing who may be eligible for an auto CLI but the commentary in the requests IME are boilerplate. Trolling here for data points if anyone here has ever received an autoCLI for a Dell account, or really for any WebBank account as they are the underlying issuer.
An important distinction regarding these requests for information is that while they must ask a cardholder is legally free to ignore the request if they so choose.
Fingerhut always gives, or at least offers, increases. I believe @K-in-Boston and @simplynoir have both gotten auto increases back in the day.
@Brian_Earl_Spilner wrote:
@coldfusion wrote:Keep in mind that CC issuers in the US are required by law to ask you to update your income information on a regular but infrequent basis. The updated information can legitimately be used as part of the process assessing who may be eligible for an auto CLI but the commentary in the requests IME are boilerplate. Trolling here for data points if anyone here has ever received an autoCLI for a Dell account, or really for any WebBank account as they are the underlying issuer.
An important distinction regarding these requests for information is that while they must ask a cardholder is legally free to ignore the request if they so choose.
Fingerhut always gives, or at least offers, increases. I believe @K-in-Boston and @simplynoir have both gotten auto increases back in the day.
A little tardy with my reply here, but yes if we are discussing Dell I believe I had two DFS auto-CLIs, however those did pre-date the account being held by WebBank. I cannot recall exactly what the increases were from and to, but not a whole lot. I closed my account around the end of 2016; I think my last increase was in 2004 and the limit was $1500 at close. (Only used it for a couple of purchases the whole time I had it.)
