I know the switch over just took place yesterday, but am curious as to if anyone has tried a CLI on the site now that Elan controls the card? And if so is it HP or SP? Since B of A snubbed me receently on my last request with them--even after they HP'd my TU CR and going to manual review, was thinking of trying again with Elan but don't want to be the gineau pig--especially if it costs another HP.
BUSINESS 
Good luck to you! I wish BofA still controlled Fidelity CC accounts.
Elan's UW's can be tough! Make sure you don't have too many new accounts in the last year. I have a ton! Lol I can't deny that. Though I've closed 10 accounts.
They didn't deny me, I just wasn't feeling the SL. I basically told them to pound sand and cancel the cards.
It's funny because they said my available credit didn't bother them ( reporting over $300k presently). They couldn't find anything else to nitpick as my CR is spotless. With perfect payment history.
BofA on the other hand is trying to give me 3 more of their cards. None of which I have use for.
Oh well, my business goes to those lenders that give me realistic limits I can use. It just goes to show its the UW's that sway these decisions. Not necessarily the scores or the profile. Just depends if you catch the UW on a good day or bad.
Good luck again, if you're up to the task. I'd lean towards a HP on the CLI's.
@Anonymous wrote:
@Credit-hoarder wrote:I know the switch over just took place yesterday, but am curious as to if anyone has tried a CLI on the site now that Elan controls the card? And if so is it HP or SP? Since B of A snubbed me receently on my last request with them--even after they HP'd my TU CR and going to manual review, was thinking of trying again with Elan but don't want to be the gineau pig--especially if it costs another HP.
I have the same question!!!!!!!!
I requested a credit line increase on the Fildelity/Elan site in Mid July, they sent me a letter saying to re-request it after July 26.
So, I wanted to know if someone else had any success getting an instant credit line increase? and if it was a HP or SP???
I called the number on the card and talked to a CSR a little over a week ago and she said it is a HP. If you look at the CLI request form it's different from the B of A form--they asked for a little more info and tell you it could take over a week to process your request. I took so many TU hits from B of A trying to get this card up I'm just going to wait and see someone else's results first---and also try to pay down the $1K left on the acct. from a BT a year ago.
@Anonymous wrote:Well i hit the luv button and got a increase from 1800 to 5800 so a 4k CLI. It was a HP
Congrats. A few basic questions: Was it instant? What bureau did they pull and what was your score at the time?
@Anonymous wrote:
Oh and TU is 740's
Thanks for the info. Right now my TU is 668, but I'm in the process of trying to have a 6 year old paid judgement removed for an error with the opening date, so I'll wait for the outcome and if it's in my favor hopefully my score will go up.