Any tips on getting cli with Wells Fargo?

[jayy_sc]

Hey everyone. Well i recently checked my fico scores and throughout all three averaged at 663. I've been thinking on asking for a cli from my wells cc, but unsure on whether it will be a hp or sp? Also, i currently have a high utilization on the card, but I am planning on transferring the balance to another card for which i get 0% apr for 15 months. Will the bank consider my request even though i transferred the balance to another card instead of having it payed off? Thanks a lot everyone!

[gblb]

Sorry to be terrible crass but my best tip would be to get your utilization under 30% and apply for a card with competitive benefits and a high limit. Wells Fargo is the tightest of them all'.

[MrCredit]

Depending on how long you have had the account, you can call and ask for a CLI, they will ask you how much you want, if you want a shot of having a SP ask for a liberal amount. They will not counter. If the system does not approve they will transfer you to an analyst.

I just recently did it. I called and asked for $10k. I had a $1k limit and the card was about 1 year old. Have 2% utlization on credit cards. The representative warned it would be a hard pull on EX. I said fine, put me on hold for 34 minutes and came back on, said he could approve for $5k only. I took it.

Hope this helps.

[jayy_sc]

Yes this was the first credit card account I opened and it has a history of 1 1/2 years.

My current cl with the card is 1.2k, but i was thinking of hopefully bumping it up to 3k at least.

Also, which credit bureau do they pull from?

Thanks!

[MrCredit]

For the increase they pulled Experian.