Have you had any lates or overlimits?
bridgetkaryn wrote:HI All,I have had an Orchard Bank Card for about a year and a half with no CLI. I have called and I got declined for an increase? Anyone know a trick to them? My overall utl is 0% and except for a few months here and there I always pay my bill in full each month... sometimes I don't even use it! I am just not sure WHAT I am doign wrong here!Thanks!Bridget
You will not get a cli (or will have a VERY hard time getting 1) if you have EVER (and I mean EVER- as in 10+ yrs ago- think amex type of forever LOL) had a late, overlimit, chargeoff (incl. hsbc), or otherwise burned them. best you can hope for is sometimes they will (may) give a CLI if you have multiple ccs w/them and ask to combo them/threaten to close.