No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I finally got my utility down to 3% and decided to CLI all my cards starting about a week ago. At the time had about 10 inquiries on Experian ranging from early 2012 until May 2013. Only two each on TU and Equifax. Experian FICO on here was 773, TU from my Disocver wass 797 and Equifax on here was 813.
First up was Citi TY Preferred. Called in and they had to pull Experian but analyst bumped me from 7.8K to 12K with no problem.
Amex BCP: Asked for 24.5K but got 7-10 day message. Im assuming they still have older SP with higher Util. Knew I should've waited (can you request again anytime or do I have to wait six months?)
CSP I called and asked for 20K from 11K and they pulled report nd said they'd let me know.. I checked later and they just moved 9K from my Freedom to CSP lol. I just SM'd them to move it back and see if they can still up just the CSP.
Penfed did online and they upped to 11K from 5K. Not sure if they did HP or not.
Lastly called into Discover as couldnt do online and they upped me from 7.7K to 9.7K.
Not too bad all in all but bummed about Amex and Chase is just weird. The scores were before me doing anything so probably dropped a bit now. 70K income. 6.6 years AAoA. Last new card was last May.
Nice job congrats
Congrats! Thanks for sharing.
Congrats on your CLIs.
Congrats on some of your CLI successes. You may have reached the internal Chase limit threshold at this point if they can only allocate CLs between other accounts.
@gsxrgt wrote:I finally got my utility down to 3% and decided to CLI all my cards starting about a week ago. At the time had about 10 inquiries on Experian ranging from early 2012 until May 2013. Only two each on TU and Equifax. Experian FICO on here was 773, TU from my Disocver wass 797 and Equifax on here was 813.
First up was Citi TY Preferred. Called in and they had to pull Experian but analyst bumped me from 7.8K to 12K with no problem.
Amex BCP: Asked for 24.5K but got 7-10 day message. Im assuming they still have older SP with higher Util. Knew I should've waited (can you request again anytime or do I have to wait six months?) I believe if you're denied, you can apply back in 90 days after last credit review. And I wonder if maybe you're getting a manual review because it's so close to 25k?
CSP I called and asked for 20K from 11K and they pulled report nd said they'd let me know.. I checked later and they just moved 9K from my Freedom to CSP lol. I just SM'd them to move it back and see if they can still up just the CSP. What is your Cred Util Rate for both cards?
Penfed did online and they upped to 11K from 5K. Not sure if they did HP or not.
Lastly called into Discover as couldnt do online and they upped me from 7.7K to 9.7K. How long did you have the card?
Not too bad all in all but bummed about Amex and Chase is just weird. The scores were before me doing anything so probably dropped a bit now. 70K income. 6.6 years AAoA. Last new card was last May.
Also, congrats on the other cards!!!
@FinStar wrote:Congrats on some of your CLI successes. You may have reached the internal Chase limit threshold at this point if they can only allocate CLs between other accounts.
+1 that's what I was thinking. Do you have any more Chase cards besides the ones listed?
Yeah that makes sense now that you guys mention it, didn't even cross my mind before even though read about it all the time on here lol. And Efranklin I've had the Discover since 2004 and just those two Chase cards. Freedom was at 10K and CSP 11K before they moved it.
@gsxrgt wrote:Yeah that makes sense now that you guys mention it, didn't even cross my mind before even though read about it all the time on here lol. And Efranklin I've had the Discover since 2004 and just those two Chase cards. Freedom was at 10K and CSP 11K before they moved it.
It sounds like you may have reached it for the time being. Overall, not too bad since both tradelines are = or > $10K.