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Keybank CLI

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Established Member

Keybank CLI

Alright, so about 2 weeks ago I requested a credit line increase on my Keybank Rewards. Starting limit was $3,500 and still is $3,500. This process has been a long one... Requested the increase, then I had to send in a bunch of documents to prove my identify a few days later. Then they had to send me a letter in the mail for me to sign to process the application. They refused to email or fax it to a branch.... The mail in my area is awful, always losing mail or having it stolen. So it took over a week to get it, mailed from Canton, Ohio to Columbus, OH. The envelope had the word, "Missing" on it when I got it too lol. 


Anyways. This letter stated that I was approved for a credit limit of $4,500 and that it would be processed once they received the signed letter back. I'm a little upset with the increase since I was hoping to get a limit of at least $5,000. Would rather have double my original limit though. I'm going to call the loan closing department Monday and see if I can get a higher limit.


I think I know what they are going to say.. "You don't use this card enough to have a higher limit." I charged maybe $300-500 a month the last 4ish months. I have always paid in full except for a few months back when I was in 0%. My defense to this is that its difficult to use a card that has a $3,500 limit and you have to pay it off several times in one month. Back in May-July, I charged at least 4,000 a month. I charged almost $5,000 in July. It was annoying to pay off the card several times in the month just to continue to use it.


Thoughts or input on my chances with a higher limit? Here's some info:


TransUnion: 752

Equifax: 744

Fico 8: 719

Annual Income: $66,000

Utilization: 10%

No lates or anything


Other cards: Limit, Age

Keybank: $3,500 (1 year 6 months)

Amex: $2,500 (1 year 1 month)

Discover: $500 (6 Months)

JcPenney: $6,500 (1 Year 1 month)

CapitalOne: $1,500 (8 Months)

Tuffy: $2,000 (2 Years 1 Month)

Message 1 of 15
Valued Contributor

Re: Keybank CLI

Wow, sounds like they are a chore. With the spend you were giving I expect many other lenders would value your business more.

Have you considered finding a CU or two? 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (10/17/2019): FICO 08 EXP: 739; TU: 744; EQ: 749
2019 Goal Score: 800 across the board

Take the myFICO Fitness Challenge
Message 2 of 15
Established Member

Re: Keybank CLI

For some reason I like to avoid Credit Unions. Don't know why, but I just don't like them... lol

Message 3 of 15
New Contributor

Re: Keybank CLI

Was it soft pull for CLI?

Message 4 of 15
Senior Contributor

Re: Keybank CLI

Congrats on CLI !!!



8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 15
Established Member

Re: Keybank CLI

It was a soft pull. 

Message 6 of 15
Super Contributor

Re: Keybank CLI

@dcole7299 wrote:

For some reason I like to avoid Credit Unions. Don't know why, but I just don't like them... lol

Really? You’re missing out on some of the most generous CLs and APRs available. 


Congrats on the CLI - that’s an awful lot of work though!


Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 15
Senior Contributor

Re: Keybank CLI

Congratulations on the CLI! Quite the process you've had to go through.

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores

Message 8 of 15
Regular Contributor

Re: Keybank CLI

Congrats on the CLI. Wow... That really seems like a lot of work for an increase with scores in the mid 700's. At least you got it after doing all that. I actually just got a Key Bank pre-approval letter in the mail yesterday and I've been thinking about applying for it. This definitely gives me something to think about a little longer.
Message 9 of 15
Established Member

Re: Keybank CLI

What card was the pre-approval for? Right now they have a sweet offer going on for balance transfers if that applies to you... 0% for 15 months on balance transfer and purchases, plus there is no balance transfer fee. This is for the latitude btw.

Message 10 of 15
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