@Binbinimiwi wrote:Congratulations and great work on the negotiation 🎉
Thanks! I was very, very polite cause I was annoyed with the original CLI. 😂
@AverageJoesCredit wrote:
@Adkins wrote:The DH and I opened this card when we went for a personal loan years ago because the card was offered with the HP from the loan, and we thought, "why not??" I asked for a CLI a few years ago and was told no.
Given my recent FICO score increases, I decided to try for a CLI. I filled out the form and hit submit, and got the usual 4-24 hours for a decision. I had an answer later that day, approved, but for only $2600 more - they had raised to limit to $7500 from $4900. 😒
I didn't accept the offer and instead called in and asked why the increase was such a low amount. The rep asked me what amount I had put in for and I told her I hadn't put in an amount, that there wasn't a spot for it. I explained the amount was low compared to our other cards and I had expected a higher CLI. She asked what I had wanted and I told her $15K, at minimum. She resubmitted the application for review (no addition HP) and it came back approved the next day!
Yay!!
I should have asked for $20K. Eh, next time. I'm going to use this card at Sam's club for my weekly grocery shopping. The DH didn't get a HP on his CRAs, which is interesting. I'm assuming because even though it's a joint account, I got the HP because I initiated the CLI. I've told the DH that he's doing the CLI request next time. 😄
Way to go Adkie
I need to try that method
Thanks, @AverageJoesCredit! I didn't say that exactly, but it was implied. I'm not interested in playing the AZEO game unless I'm apping for something important, so a larger limit is appreciated, if I can get it!
