Ok so I BIT THE BULLET. I hit the LUV button online and got the "Call us for instant decision" after applying for CLI. Currently at 5,000 asked for 10,000. So I called answered their questions and she sounded very much like she was just asking questions but going to approve....then said "OK Mr.._______ I'll be right back please hold for a minute. $@!& I knew what that meant , she pulled my CR. She came back and asked me why I have balances on a lot of cards why? I said they either are store cards which have 12 months no interest or like my citi cards that one was 21 month no interest or 18 month. Which is true. So she only gave me a CLI of 1,000 to 6,000 total. I hung up and called back door and the other lady basically told me same thing and they gave me my highest limit yet which is basically the real reason cause my UTIL is well under 20%. I didn't tell her that I was recently approved for the amex BCE 8000 CL that wouldn't be reporting. But Oh well just wanted to share.
Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)
AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
