Avoiding CLD

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:

That's what I'm going to do this year.  They usually have pretty good sales so I should be able to find something relatively affordable.

I'm hoping they won't CLD me again. 

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Whoa, I'd better go check my card! Sorry about that.

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Haha no problem, I didn't mean it the way you think I did!  

[LS2982]

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@haulingthescoreup wrote:

I very rarely use my J.Crew. Not only have they not CLD'd me, they have actually increased my limit.

I buy gloves and scarves once a year for holiday presents.

I'm not really thrilled with the idea of buying something with the sole intent of showing activity on the card and returning it. Some poor 8-bucks-an-hour employee has to go through all the doo-dah of ringing it up in the first place and then managing the return, tying them up and costing the store money in exchange for nothing at all.

I seriously doubt that you'll get CLD'd. Store cards often lie around gathering dust for years and are never noticed by the issuer.

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I was curious about my store cards as well. I want CLI's tho, maybe a small purchase monthly?

[Anonymous]

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@LS2982 wrote:

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@haulingthescoreup wrote:

I very rarely use my J.Crew. Not only have they not CLD'd me, they have actually increased my limit.

I buy gloves and scarves once a year for holiday presents.

I'm not really thrilled with the idea of buying something with the sole intent of showing activity on the card and returning it. Some poor 8-bucks-an-hour employee has to go through all the doo-dah of ringing it up in the first place and then managing the return, tying them up and costing the store money in exchange for nothing at all.

I seriously doubt that you'll get CLD'd. Store cards often lie around gathering dust for years and are never noticed by the issuer.

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I was curious about my store cards as well. I want CLI's tho, maybe a small purchase monthly?

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A small monthly purchase certainly wouldn't hurt your chances of getting a CLI.

[Anonymous]

You just never know with ANY type of card anymore, what they like to see in order to give CLI's.

My PayPal Smart Connect Card for example, I was given an initial 500CL, used the card like crazy for the first 3 months, paid in full every month, on the 4th month asked for CLI, they gave me a 125 CLI, I SD'd the card (not really a card) for about 3 months, then used it to make a few purchases in one day, and as soon as the balance hard posted to my account I paid it in full, waited a month and asked for a CLI (received a letter in the mail saying "You do not have enough experience at your current CL") one week later I hit the luv button again, entered my income and hit submit, next page says "Congratulations, your CL has been increased" to 2150.

If that story doesn't tell it all, I don't know what does.

It's just so hard to figure out what these creditors want to see from us.