Credit Cards that won't give CLI

[Anonymous]

Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny 

[Anonymous]

discover no longer grants CLI without a hard pull  ------------> i no longer use thier card

[cranston3]

hsbc

[Imhotrodcrazy]

CCCU

[Anonymous]

I don't see how you can make that work more than one billing cycle.

[Anonymous]

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@Anonymous wrote:

Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny 

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With Cap 1, Citi, and Discover there is a minimum finance charge of $.50 so if you want to pay $.50 for the privilege of carrying a penny balance that is your right.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
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Whats In Your FICO Score

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Just sharing an idea that makes me feel better, All the cards that are stubborn on CLi's, I am going to pay in full everything but .01. It might not help but ,it will make me feel better. So please join me if they won't give a CLI, only let them get the intrest off a penny 

---

With Cap 1, Citi, and Discover there is a minimum finance charge of $.50 so if you want to pay $.50 for the privilege of carrying a penny balance that is your right.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

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Dang I forgot about that, guess i will PIF

[Anonymous]

you pay for for the daily average balance if don't pif you pay for the entire cycle not just the $0.01 left

[Anonymous]

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@cranston3 wrote:

hsbc

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HSBC does give CLI's. They are not currently accepting customer initiated increases but expect to within the next couple of months. Since they "froze" consumer initiated increases I have received an Auto CLI. They are just real picky right now. I run a TON of money through the card is the only reason I think I got the Auto. I literally pay the card in full 5 or 6 times a month. They are loving me for usage right now.

[Anonymous]

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@Anonymous wrote:
you pay for for the daily average balance if don't pif you pay for the entire cycle not just the $0.01 left

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+1

It's not just the $.01 they'll be collecting interest on.  Paid in full means paid in full.  Not paid in full = no grace period...on any of it.  Expect new interest charges on your next statement after you leave that $.01 balance, and expect to not feel better when that happens.  And depending on the size of your average daily balance, those interest charges could far surpass the minimum interest charge for your account.