Congrats on the incrase
Congrats on the CLI
Congratulations! 
@ptatohed wrote:Truth be told, in my going on 30 years of having credit cards, I have never requested a Credit Line Increase (CLI). The reason being is I never 'needed' one. I never came close to my limits. Well, not so with my $5000 AOD FCU Visa Signature (3% CB everything card, no longer offered to new applicants). We put everything non-cat on this card. Daily spend and monthly spend. Utilities, bills, Health/Car/Home insurance, retail, etc., etc. Always paid in full. A normal month can easily hit $2500. So, try to add any big purchase to that and you bust. Once I charged $2800 for some home theater chairs and I wasn't thinking, and it was denied. After that, I learned to pay it down early if we had a big purchase planned. Anyway, I figured I'd just go for it - as scared as I was to poke the sacred 3% hornet's nest! But it went well and I was granted the CLI.
When I was originally applying, my logic was I wanted to stay as low-key as possible, that's why I chose the lowest available limit for the card ($5k). Not sure that helped, lol. I imagined to myself them saying "There is no way we are giving this so-called mountain biker from California any more than a $5000 limit". LOL!
Anyway, the CLI was a (EQ) hard pull as people have stated here. You are basically reapplying for the card. I called Monday Mar 13 and the lady told me I need to reapply for the card. I asked how I do that when the Visa Sig is not offered any more. She told me I would just apply for their Platinum card and put in the notes that it is for a CLI to my Sig, not a new Plat. She said I can apply over the phone or on-line. I said whichever is easier for you and she said she was short staffed and closing soon so I should do it on-line. Ok, no prob. The problem was I got through the whole on-line app and there was never a location to add notes! So then I was freaking out that I was going to get a new Plat card. I sent a secure message from the website as well as an e-mail using the address I have on file to inform them. I requested a total limit of $10,000.
Nothing Tues 14. On Wed 15, the same rep that I worked with 1.5 years ago when originally applying for the card e-mailed me a docusign requesting my last two pay stubs. I sent three to be safe! In her e-mail, she acknowledged that the application was for a CLI, not new card. Phew!
On Thurs 16, I was sent some docusign forms to sign. It was all for the Platinum. Oddly, I was approved for the lowest 8.49% Platinum rate per the paperwork, even though the website states 9.95% is the lowest. Yes my Signature is still at a fixed 7.490%. My Equifax was 780. I really thought it was in the 800s but oh well.
So, come Fri 17, I received nothing at all from AOD but when I logged in to my account, I see the $10,000 limit!
So, needless to say, I am over the moon!
P.S. How did I write so much about a simple CLI? Sorry about that.
Congratulations on that 100% CLI
