WF CLI

[Anonymous]

applied to increase it some. said she'll send it through and i would get a letter and i asked why so yeah she said if they need to verify identity or whatever. made sure they'll tell me before it's a HP so we shall see.

[Anonymous]

It has always been a SP for me and takes 12-24 hours. Exact same process that you are going through.

[Anonymous]

thank you

[FinStar]

If your account doesn't qualify for SP CLI, then they'll send you a letter (you should see if any changes occurred on your account in a couple days).  Otherwise, you'll have to entertain whether you want a HP for CLI with no guarantee how much (if at all) will be given.

[Anonymous]

i won't be doing a HP i promise you that.

[Anonymous]

Good luck!

[Anonymous]

yep that didn't work lol. they denied due to:
my low payment amounts (card has been paid off since februrary with maybe $50 spent on it since)
and more than one inquiry in 24 months (lol what the heck)
and length of time credit accounts have been established (i think they're referring to all the new ones this year)

[UncleB]

---

@Anonymous wrote:
yep that didn't work lol. they denied due to:
my low payment amounts (card has been paid off since februrary with maybe $50 spent on it since)
and more than one inquiry in 24 months (lol what the heck)
and length of time credit accounts have been established (i think they're referring to all the new ones this year)

---

Darn, I'm sorry that didn't work out.

I have a feeling my own CLIs are going to be significantly slowing down as well due to the first reason they listed for you... low payment amounts.  Since I started putting most of my usage on Sam's Club MC, other than Discover (which has a BT I'm paying down) the other cards don't see much usage.  The irony is that the Sam's Club MC, being Synchrony, likely would have given me a sizeable CLI without much usage at all... oh well. 

I guess it makes sense for them to not show any 'love' if we don't show them any first.  Oh well... it's a good problem to have - enough credit that not all of it has to be used simultaneously! 

[Anonymous]

yeah the card sucks anyway haha idc

[Anonymous]

I've had my WF Visa for 10 mos. It has a $4k limit and I run utility bills through it every month to the tune of about $400, then PIF. I asked for a SP CLI two weeks ago and was declined due to BK, lack of experience with current limit and applicant has sufficient open credit. Silly, I had the BK when I got the card and I had sufficient credit then too.