@M_Smart007 wrote:
@GApeachy .. is that the "Evil" eye Avatar?
hahaha! That's what DH says! I do have power over him
@GApeachy wrote:
@M_Smart007 wrote:
@GApeachy .. is that the "Evil" eye Avatar?
hahaha! That's what DH says! I do have power over him
@Jnbmom wrote:
@DaveInAZ wrote:
@Jnbmom wrote:DH has had this card for 7 months, started very low 1K and immediately requested a CLI, bumped to 3K.
Just requested an increase got 1K tiny of course but no HP. Card is still in the may close column . We shall see as it really doesn't get use. They keep sending BT deals but not much you can do with that limit.
Yep, any CLI is a good CLI - but are you sure no HP? I've always gotten a HP for any CLI request, on EQ - and always denied, also only a $3k SL. It's also on my "may close" column, but not until the 0% intro ends in July 2020. They also regularly send me BT offers, but why pay a BT fee when purchases are 0%???
As far as I can see no HP unless it's delayed a few days ? Yes this CL compared to his others , just doesn't seem worth keeping .I will say when we requested a CLI previously it was instant HP, no instant decision and got a letter a week later, previously when he initially got card and requested within the first month, no HP and instant approval. So not sure if maybe when you are eligible there is no pull? Just speculating of course.
I think I remember a member who likes HSBC saying it's 6 monthis when a HSBC card is eligible for a CLI. It was a previous HSBC Rewards card that I requested a CLI after 3 months and got an instant EQ HP and a letter saying No. I opened my current Gold Mastercard in Feb. so I'm past 6 months. I keep all CRA locked so maybe I'll try for a CLI - worst they can say is "No, and btw Hell No! since we couldn't toss a HP on your Equifax". 
@DaveInAZ wrote:
@Jnbmom wrote:
@DaveInAZ wrote:
@Jnbmom wrote:DH has had this card for 7 months, started very low1KK and immediately requested aCLII, bumped to3KK.
Just requested an increase got1KK tiny of course but no HP. Card is still in the may close column . We shall see as it really doesn't get use. They keep sendingBTT deals but not much you can do with that limit.
Yep, anyCLII is a goodCLII - but are you sure no HP? I've always gotten a HP for anyCLII request, on EQ - and always denied, also only a 3kkSLL. It's also on my "may close" column, but not until the 0% intro ends in July 2020. They also regularly send meBTT offers, but why pay aBTT fee when purchases are 0%???
As far as I can see no HP unless it's delayed a few days ? Yes this CL compared to his others , just doesn't seem worth keeping .I will say when we requested aCLII previously it was instant HP, no instant decision and got a letter a week later, previously when he initially got card and requested within the first month, no HP and instant approval. So not sure if maybe when you are eligible there is no pull? Just speculating of course.
I think I remember a member who likesHSBCC saying it's 6monthiss when aHSBCC card is eligible for aCLII. It was a previousHSBCC Rewards card that I requested aCLII after 3 months and got an instant EQ HP and a letter saying No. I opened my current GoldMastercardd in Feb. so I'm past 6 months. I keep allCRAA locked so maybe I'll try for aCLII - worst they can say is "No, andbtww Hell No! since we couldn't toss a HP on yourEquifaxx". smileyloll:
yes that is way to do it.. As if you want to ensure avoiding a HP keeps all CRAs locked and if you get it you get it otherwise they can;'t access file which is no harm/foul and isn't against talking about on forum as you aren't showing favoritism to any one CRA you are just keeping them all locked 
. I do this alot to find out what a lender will pull for initial application of a new CC and see if I want a HP on said CRA or not if I do will unlock and call them back if not ill let the application die. Not hiding anything just some CRA get pulled alot more than others and want to even out the hp's.
@CreditCuriosity wrote:yes that is way to do it.. As if you want to ensure avoiding a HP keeps all CRAs locked and if you get it you get it otherwise they can;'t access file which is no harm/foul and isnt against talking about on forum as you arent showing favoritism to any one CRA you are just keeping them all locked
Yep, I know it's against the forum rules to talk about locking one CRA you know (or think) a lender pulls to try to get them pull a different one that may have a higher score and/or fewer HPs, because that's trying to game the system. But keep all 3 locked/frozen and you're not trying to game anything. And it can work out for you not trying to game anything: Last Feb. I app'd for a Citi Sears MC and thinking they pulled EX I unlocked it first. I got an "under review" message and then a letter saying they were unable to pull my Equifax report. So I called and explained what I had done, and that I now had EQ unlocked for them. Instant approval!