CLI without using Card

[Mortalito77]

Hello everyone, I was wondering has anyone in here ever tried requesting credit limit increase on a credit card they have never used? It's activated but never actually used. I have a Lowes credit card that I have not used since I got it, I activated the card but never used it. What do you guys think about it?

[creditguy]

Of course you can always ask but the outcome is not guaranteed. How long have you had it? With lowes you could ask for a CLI and just say you would like to do a project and need a bigger CL to get it done. But the reality is you don't need a reason just ask and see what they say. Shoot for 25k and wait for their counter offer.

[Mortalito77]

Thanks for the quick reply, I will do that. Do they have a chat feature or should I do it over the phone?

[Anonymous]

 I've heard Lowes cards can give rather huge limits and increases. If it's a new card and you're trying for an immediate CLI, they might do that. If you've had it for a while and haven't used it, they might want to know why you want the credit increase.

[creditguy]

They have chat but I've read the results are better by calling credit solutions.

[Mortalito77]

Wow, It took them less than a second to tell me my application was declined. I didn't even get a counter offer.. 

[creditguy]

Wow that sucks. Sorry to hear that. Time to use it more often I would say.

[Mortalito77]

I agree, it definitely has to do with me not using the card. I will just go buy something tomorrow let it report then pay it off. I will do that a few times then try again. Thanks for all the help.

[Anonymous]

With that very card I got a $11,300 CLI 3 minutes after approval. I think, as you said, the difference is you having it a bit without use.

[UncleB]

I've gotten rather significant increases on my own Lowe's with very little usage, and by only using the link on the website (no calls to Credit Solutions - yet).

I'm inclined to think the OP's TU score might be a significant factor.  Unless the TU score can support it, not even Credit Solutions will give an increase.

Just my 2¢.