myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Is the Old Navy online CLI button a SP?

tag
Get Access Now
Anonymous
Not applicable
‎03-15-2015 08:26 PM
‎03-15-2015 08:26 PM

Is the Old Navy online CLI button a SP?

I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

 

Thanks!

Message 1 of 8
0 Kudos
7 REPLIES 7
chalupaman
Super Contributor
‎03-15-2015 08:35 PM
‎03-15-2015 08:35 PM

Re: Is the Old Navy online CLI button a SP?

@Anonymous wrote:

I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

 

Thanks!

It's a SP. You can also call Credit Solutions or ask for an increase on chat. I'd recemmend either of those instead because you can request how high you wanna go.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 8
0 Kudos
Anonymous
Not applicable
‎03-15-2015 08:40 PM
‎03-15-2015 08:40 PM

Re: Is the Old Navy online CLI button a SP?

Awesome! Thank you!

Message 3 of 8
0 Kudos
pipeguy
Senior Contributor
‎03-16-2015 03:22 AM
‎03-16-2015 03:22 AM

Re: Is the Old Navy online CLI button a SP?

Keep in mind that a "National Bank Card" (aka MC/V) is a better account on your credit report than a "store card".

 

I don't have very many store cards left (Amazon which I use a lot and Walmart for FICO scores and special financing offers) so I jumped on my recent offer for Old Navy to convert to a Visa card - I was actually going to close the card later this year because its a store card I don't use much, but now its another $5k national bank card on my credit report that I'll probably use enough to keep it active. 

 

To be fair I also have a Lowes Card and Home Depot Card - both have high credit limits, and I suppose those are "store cards" too.

 

 

Message 4 of 8
0 Kudos
Creditaddict
Legendary Contributor
‎03-16-2015 08:23 AM
‎03-16-2015 08:23 AM

Re: Is the Old Navy online CLI button a SP?

@Anonymous wrote:

I had an option to upgrade to the Visa today! But when I saw it would close my account, I declined. I deintely don't need to lower my AAoA right now. I would like a higher increase though on my CL. Is it a SP or HP?

 

Thanks!

I would have taken the upgrade... usually comes with a sizable increase in limit!

Message 5 of 8
0 Kudos
Anonymous
Not applicable
‎03-16-2015 10:59 AM
‎03-16-2015 10:59 AM

Re: Is the Old Navy online CLI button a SP?

I would have upgraded if I wasn't in the middle of getting a mortgage where my credit history is pretty new. (It's only 20 months old sadly.)

 

After closing I will try and upgrade again Smiley Happy I did log in and saw a 1.4k limit! That's double my $700 limit at least Smiley Happy 

Message 6 of 8
0 Kudos
Creditaddict
Legendary Contributor
‎03-16-2015 12:03 PM
‎03-16-2015 12:03 PM

Re: Is the Old Navy online CLI button a SP?

@Anonymous wrote:

I would have upgraded if I wasn't in the middle of getting a mortgage where my credit history is pretty new. (It's only 20 months old sadly.)

 

After closing I will try and upgrade again Smiley Happy I did log in and saw a 1.4k limit! That's double my $700 limit at least Smiley Happy 

oh yeah, good idea!

Message 7 of 8
0 Kudos
MarineVietVet
Moderator Emeritus
‎03-17-2015 01:36 PM
‎03-17-2015 01:36 PM
Moved:

Re: Is the Old Navy online CLI button a SP?

Moved: https://ficoforums.myfico.com/t5/Credit-Cards/Questions-about-Walmart-upgrade/m-p/3867531#U3867531

Split off to start a new thread in Credit Cards.

Message 8 of 8
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.