How to Receive CLI with Recent CCs opened?

reneasworld · ‎10-16-2014

So, while I am gardening my goal is to increase my credit limits. I have listed my cards below with the balances of length of time. Any suggestions on wait time to ask for CLI, or whether I should call versus luv button. Thanks for insight and assistance. I am looking forward to watching my seedling grow.

Capital one Platinum Secured (2 years this month Secured initially with only $100 they increased it without extra security deposit) $750

FingerHut (1 year in September) $400 (they have offered me no pay but still no increase with them)

First Premier Bank $500 (July 2014)

Cap One QS $300 (Oct 1, 2014)

Capital One Platinum $300 (Oct 2014, they shipped it out last week)

Loft $500 (August 2014)

Express $500 (August 2014)

J. Crew $250 ( August 2014)

Macys $600 (September 2014)

Gamestop $350 (October 2014)

Walmart $600 ( October 2014)

Amazon $800 (October 2014)

El Dorado Furniture $1,000 (October 2014)

Overstock $250 ( October 2014)

Brynn Lane $500 (October 2014)

Avenue $250 (October 2014)

Authorized User on Best Buy Card $1,000 (1996)

Total Current Utilization is at 32% Next month should be down to 20%, if not lower

Current Scores: EXP PLUS - 660, TU FICO - 635, Wally 633, EQ FICO - 617 (down from 625 with recent inquiries and accounts added

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board

Anonymous · ‎10-16-2014

With all of those accounts being so new, I think you'd be hard pressed to get CLI's so quickly. Especially the Capital One cards, but you should see some sot of increase around the 6 month mark on those.

Creditaddict · ‎10-16-2014

gamestop and overstock you can try hitting cli now online.

express,brynn, avenue, and loft will be 9 months like clockwork

jcrew try now and every month

macys 3 months

walmart, amazon will be 4 statements.

cap1 will probably be credit steps at 5-7 months automatically

i would close first premier now... not worth the fees and you don't need it!

1GaDawg85 · ‎10-16-2014

Close FP because you plenty of other accounts

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Anonymous · ‎10-16-2014

@1GaDawg85 wrote:
Close FP because you plenty of other accounts

+100

reneasworld · ‎10-16-2014

@Anonymous wrote:
@1GaDawg85 wrote:
Close FP because you plenty of other accounts
@1GaDawg85 wrote:
Close FP because you plenty of other accounts
+100

Yeah I got FP before I knew I would qualify for all of the other cards and before Cap One increased my limit. I guess it did what it needed to do gave me low utilization and those two things the Cap One increas and the FP instantly took my EQ from 585 to 621 but I guess it will not hurt my AAoA right not and utilization. That is great advice. Thanks!

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board

reneasworld · ‎10-16-2014

@Creditaddict wrote:
gamestop and overstock you can try hitting cli now online.
express,brynn, avenue, and loft will be 9 months like clockwork
jcrew try now and every month
macys 3 months
walmart, amazon will be 4 statements.
cap1 will probably be credit steps at 5-7 months automatically
i would close first premier now... not worth the fees and you don't need it!

This is great information. So I know to wait on the 3 and 4 month statements. I did attempt a couple if I remember it was loft, express and j crew and received the 5-7 day letter notice and the letter said since it is a new account.. blah blah, blah. After receiving that, I was afraid to hit the luv button again for some of the others. Does it ever affect your card or the way they view you for hitting the luv button or is it an automatic thing and the computer generates a response?

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board

reneasworld · ‎10-16-2014

@Creditaddict wrote:
gamestop and overstock you can try hitting cli now online.
express,brynn, avenue, and loft will be 9 months like clockwork
jcrew try now and every month
macys 3 months
walmart, amazon will be 4 statements.
cap1 will probably be credit steps at 5-7 months automatically
i would close first premier now... not worth the fees and you don't need it!

Will amazon give me a CLI without usage? Should I just order something to show usage and should it be a certain amount?

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board

Anonymous · ‎10-16-2014

@reneasworld wrote:
@Creditaddict wrote:
gamestop and overstock you can try hitting cli now online.
express,brynn, avenue, and loft will be 9 months like clockwork
jcrew try now and every month
macys 3 months
walmart, amazon will be 4 statements.
cap1 will probably be credit steps at 5-7 months automatically
i would close first premier now... not worth the fees and you don't need it!

Will amazon give me a CLI without usage? Should I just order something to show usage and should it be a certain amount?

Doubtful. I'd order something at least 30% of the CL and pay it down in 60 days to show necessity of CL Increase.