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@TravellingNomad wrote:yeah i was surprised when the loan rep told me the rate. i got myself ready to hear above 20. yeah i plan on using the card as my 2nd primary. but not sure if i'll do a product change when the time comes if it requires a whole new account to be opened. i plan on gardening now for the next 2 years. how are they with cli's?
I guess you have to look at a product change like this: Is 6 months age going to make THAT much of a difference in the long run? And are the rewards worth it?
They can be very generous for CLIs. I went from $500 to a 5 digit credit line in that 6 months time.
yeah you do have a point regarding the product change. did you call them for your cli or was it automatic?
@TravellingNomad wrote:yeah you do have a point regarding the product change. did you call them for your cli or was it automatic?
You need to call.. Hard pull on EQ.
I have been a member for a couple of years now and I just spoke to an Alliant CSR who said that they will pull a hard anytime you ask for any credit product, including a CLI.
Anyone have a different experience?
@Itsmeagain wrote:I have been a member for a couple of years now and I just spoke to an Alliant CSR who said that they will pull a hard anytime you ask for any credit product, including a CLI.
Anyone have a different experience?
Nope...that's par for the course. Unless you want two different credit products within 30 days. Then they'll use the old pull.
@visorboy1974 wrote:
@TravellingNomad wrote:yeah you do have a point regarding the product change. did you call them for your cli or was it automatic?
You need to call.. Hard pull on EQ.
i have no problem in getting a HP done but it sure would be disappointing if the CLI was not worth the pull.
did you use the card heavily to get such a generous cli?
@TravellingNomad wrote:
@visorboy1974 wrote:
@TravellingNomad wrote:yeah you do have a point regarding the product change. did you call them for your cli or was it automatic?
You need to call.. Hard pull on EQ.
i have no problem in getting a HP done but it sure would be disappointing if the CLI was not worth the pull.
did you use the card heavily to get such a generous cli?
Used it mainly as my gas card. Couple hundred dollars a month.
@visorboy1974 wrote:
Used it mainly as my gas card. Couple hundred dollars a month.
ok cool. i plan to use my card mainly for charging $100-$200 a month for groceries on it and paying in full each month. hopefully it'll be enough of a history for a future CLI.