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@MrCrabs wrote:
I was going to try for the LUV button since I have had this card for like 4-5 years but it is still stuck at $500 but noticed this disclaimer at the bottom. I hate this card but it is my oldest card, my next oldest is Discover which is only about 7 months old. Not sure if I should close it out or just sock drawer it because I have heard low limits on some cards will hold back SL on new card and it looks like VS/Comenity is not going to show me any love.
I would not close this card. It has no AF and will live forever with minimal usage. Second, if you close this card, your oldest open card will only be 7 months old. Closed cards in good standing last 10 years on your reports but personally, I would never close a non AF card if it was my oldest
@Meanmchine wrote:
@MrCrabs wrote:
I was going to try for the LUV button since I have had this card for like 4-5 years but it is still stuck at $500 but noticed this disclaimer at the bottom. I hate this card but it is my oldest card, my next oldest is Discover which is only about 7 months old. Not sure if I should close it out or just sock drawer it because I have heard low limits on some cards will hold back SL on new card and it looks like VS/Comenity is not going to show me any love.
I would not close this card. It has no AF and will live forever with minimal usage. Second, if you close this card, your oldest open card will only be 7 months old. Closed cards in good standing last 10 years on your reports but personally, I would never close a non AF card if it was my oldest
That's why I have kept it open so far, but the toy limit is annoying.
@Anonymous wrote:From a guys perspective. How much could you possibly spend at Victoria's Secret?
Dunno. Went in with my wife and I was standing outside the dressing room holding some panties she was buying as she tried something else on and was approached by a salesperson asking if I needed to try them on - with the most professional demeanor like it happens all the time. Whoda thunk?
I love my VS card. It has to be the best rewards card. I have a daughter as well and she loves the PINK brand. I consume their points and often receive $20-45 off cards from them. Btw, my card has a $6000 limit, it started at $350 in 2015. I've requested increases often but the last one I received was in July (I keep track of my CLI on a spreadsheet).
ETA: all of my CLI were soft pulls. My reports have been frozen over a year.
@Pikaboo-icu wrote:
@MrCrabs wrote:You can recon the denial letter? I have always accepted it as an instant denial.
I don't think they recon.
Sorry, I think I misunderstood this..
Did they deny you and are mailing a letter as to why?
I read it as: it would be 7-10 before you found out the result..
My bad..
Do you carry a balance on the card? I know they like to be PIF.
Right. If the 7-10 message yields a declined CLI request (usually these tend to be), there's no reconsideration option, unfortunately.
@MrCrabs wrote:
@Anonymous wrote:From a guys perspective. How much could you possibly spend at Victoria's Secret?
I let my GF use it to keep it active.
Plus, the Victoria's Secret CC can also be used at Bath & Body Works, IIRC.
@FinStar wrote:
@MrCrabs wrote:
@Anonymous wrote:From a guys perspective. How much could you possibly spend at Victoria's Secret?
I let my GF use it to keep it active.
Plus, the Victoria's Secret CC can also be used at Bath & Body Works, IIRC.
Yes, you can use it B&BW too but it does not give you any rewards points when you use it there.
The 7-10 day message is not always a bad thing with this card. I requested a CLI a couple of days ago & I got the message but when I logged into my account this morning I noticed that they gave me a $250.00 increase. I had the card since December 2017 & this is my first increase but I wasn't using the card that often so I'm not surpised.
@MrCrabs wrote:
I was going to try for the LUV button since I have had this card for like 4-5 years but it is still stuck at $500 but noticed this disclaimer at the bottom. I hate this card but it is my oldest card, my next oldest is Discover which is only about 7 months old. Not sure if I should close it out or just sock drawer it because I have heard low limits on some cards will hold back SL on new card and it looks like VS/Comenity is not going to show me any love.
I had the card for about 2 1/2 years and always soft pull, my limit is $3,800.00... You can always freeze your credit...