FNBO CLI call in now HP?

[Lou-natic]

Maybe I should call in next month and see if I can get another SP CLI on my Evergreen. Just for science.

[mgood]

I"ve gotten SP CLIs every six months by calling. (No soup for me at four or five months when I tried.) Most recent was yesterday.
I call and ask if I'm eligible for a soft pull increase. I think if there is no SP increase available, they can try to do it with a HP.

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@M_Smart007 wrote:

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@chuckwood wrote:

I called to see if I was eligible for a CLI and was told it was a HP now that they changed things. I don't know if the agent was telling me correctly. Has anyone else tried lately and it be a SP?

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What is your current credit limit?

In my case, going from $25K to $40K was a "HP" ..they were all SP's on both cards up to $25K

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$25k was my goal. Now that I'm there, I'm good with it.

[SeeingTheLight]

Requested a CLI 2 weeks ago and got +$5k with a soft pull.  

[Beefy1212]

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@SeeingTheLight wrote:

I've read somewhere that the max for the Evergreen is $25k. Is that true?

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No

However they start asking for "documents" and hard pulls.

I was on the phone with them about 2 weeks ago they raised my limit from 24 to 25k CSR told me he thinks the new max for softpull is actually 30k. But given I got 5k limit increases like clockwork for 5k until I hit 24k then only got a 1k increase me thinks it is far more likely the well documented 25k sp limit.

[chuckwood]

So I called back in today to see about a CLI and was told the same that it would be a HP. I told her wow its always been a SP before. She said  they updated there systems and don't do SP anymore. So for a test I told her ok. Gave my info and sure enough they tried to pull experian.  So I don't know whats going on with them. I won't be trying again. 

[Lou-natic]

"updated their system"

"Presses X for doubt"

One of two things, either you aren't eligable for a SP increase specifically or UW standards at FNBO have gotten stricter across the board.

Funny way to express that by a CSR though. Just "updating" a system doesn't cause CLIs to go from SP to HP unless it was intentional. The whole thing just feels off.

[Financially_Disciplined]

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@chuckwood wrote:

So I called back in today to see about a CLI and was told the same that it would be a HP. I told her wow its always been a SP before. She said  they updated there systems and don't do SP anymore. So for a test I told her ok. Gave my info and sure enough they tried to pull experian.  So I don't know whats going on with them. I won't be trying again. 

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I just called about 30 minutes ago and got a SP increase of $3500.  The CSR asked about mortgage/ rental payment and annual income, however, she warned that if I was not instantly approved it would be a HP if I really wanted the increase. Total limit now $8000. 

[chuckwood]

I think I figured it out. My wife has a Everygreen VISA and I had her call (It was a different number) and they gave her a SP CLI. Mine is a Fordpass Visa. My last CLI was a SP and I figured it would be the same standards for both. That my fault.