The Anti-gardener... Chase Slate, BOA, Home Depot, and Best Buy cards or CLI's approved

[Anonymous]

congrats on jumping ship!

Data points: All FICO's above 800

Util: 6%

Income: six figures

AAOA: 9 years

(The above says it all)

[Anonymous]

@Pedro1

Re: The Anti-gardener.

if im not mistaking, call Citibank, Im pretty sure you can get up to $1500 per Card CLI with a soft pull, I think CitBank is changing their ways,

just make sure to ask if it would be "NOT" a HP to increase CLI, tell the Rep. if its a HP, you will NOT Authorize. or ASK can i get a credit limit increase without a HP?, explain why...

they already basically know whats on your reports via soft pulls and reviews.

I froze all (3) CRA's before i did this....and had success ...as always YMMV/YEMV

just my 2 cents.

someone please correct me if i'm wrong?

[Anonymous]

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@Anonymous wrote:

@Pedro1

Re: The Anti-gardener.

if im not mistaking, call Citibank, Im pretty sure you can get up to $1500 per Card CLI with a soft pull, I think CitBank is changing their ways,

just make sure to ask if it would be "NOT" a HP to increase CLI, tell the Rep. if its a HP, you will NOT Authorize. or ASK can i get a credit limit increase without a HP?, explain why...

they already basically know whats on your reports via soft pulls and reviews.

I froze all (3) CRA's before i did this....and had success ...as always YMMV/YEMV

just my 2 cents.

someone please correct me if i'm wrong?

---

That's good to know for next time.  I wasn't aware that Citibank did SP increases.  In the past when I requested them they always came back and said that it was a hard pull.  My reports were frozen back when I last tried to get a SP increase last year and I wasn't willing to get a hard pull for a CLI.   I submitted requests with them being frozen before to Citi and then would receive a prompt to call in.  When I called they would tell me that I needed to unfreeze my reports and I would just cancel the request rather than authorize that.

I agree with you wholeheartedly about them SP routinely and doing AR's.   I personally don't see why any issuer who routinely monitors your credit would have a need to do a HP for a CLI request, unless more info is displayed on a full CR versus a SP. 

[Anonymous]

Congrats