As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF. Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?
THANKS GUYS!
AUBURN
ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.
@trying_to_B_good wrote:As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF. Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?
THANKS GUYS!
AUBURN
ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.
Dont' we have this exact convo last month?
CreditOne every 6 months - it's SP but might cost you $25.
Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.
Kay - 1 year and it's a HP unless auto which some have said 1 year
amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.
don't know fingerhut or goody's
angels would be like total rewards.
and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!
@Creditaddict wrote:
@trying_to_B_good wrote:As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF. Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?
THANKS GUYS!
AUBURN
ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.
Dont' we have this exact convo last month?
CreditOne every 6 months - it's SP but might cost you $25.
Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.
Kay - 1 year and it's a HP unless auto which some have said 1 year
amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.
don't know fingerhut or goody's
angels would be like total rewards.
and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!
WE DID, DIDN'T WE!
Just always lookin for input and opinions. Good to hear from ya creditaddict!!! I am about to make the call to credit solutions NOW! I currently have a $600 limit....What do you think I should ask for....$2,000?
@trying_to_B_good wrote:
@Creditaddict wrote:
@trying_to_B_good wrote:As you guys can see from my cards at them bottom of my post I have some rebuilder cards(all unsecured). I have had all of them from 5-8 months(depending on the card). Never late(only 3 days late on amazon), and carry a balance, occasionally, on them. I always pay more than the minimum if not PIF. Would now be a good time to ask for a CLI or should I wait a couple more months when all have a zero balance?
THANKS GUYS!
AUBURN
ps....I will NOT ask for a Matrix increase. I plan to cancel it,after the eleventh month.
Dont' we have this exact convo last month?
CreditOne every 6 months - it's SP but might cost you $25.
Total Rewards - every 6... it's comenity so should be SP and might get (not enough time at current credit line for the first 6-9 months of card... but keep pushing... they are usually good with auto CLI on store cards after the 9 months mark every 3-4 months.
Kay - 1 year and it's a HP unless auto which some have said 1 year
amazon - every 4 statements... online and then call "Credit Solutions" not customer service, directly into credit analyst for manual instant review (they pull SP instantntly... don't worry when they say I have to pull credit... usually the reps are very good about saying it's a sp but either way, it 100% is only a sp and you can ask for huge increases, and they can counter.
don't know fingerhut or goody's
angels would be like total rewards.
and matrix should be 6 months but think you have to pay also... don't think it's a hp but not sure i would do it... because it would be the first card I get rid of... really now!
WE DID, DIDN'T WE!
Perhaps let your payment post since you are late.
Then depending on your current balance... sure ask for $2k.