It's that time again. 6 months from last CLI on CCs. Making the calls.

[SonorityGenius]

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@smallfry wrote:

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@Anonymous wrote:
All denials. All my accounts are flagged no more credit with out a hard pull. Not fair. So as it stands I should be able to get CLIs but at the cost of 1 inq per lender. Too painful for me now. Maybe in a few hours I will get the courage to take a hard hit.

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Pizza the only CLI's I get lately are new cards from Citibank. Sorry. Use those inqs wisely.

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Well applying for additional Citicards also costs an hard, doesnt it? Than wouldnt it be more logical to waste the hard inq on a CLI on an existing card rather applying and getting low CL = adding junk to credit report?

[smallfry]

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@SonorityGenius wrote:

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@smallfry wrote:

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@Anonymous wrote:
All denials. All my accounts are flagged no more credit with out a hard pull. Not fair. So as it stands I should be able to get CLIs but at the cost of 1 inq per lender. Too painful for me now. Maybe in a few hours I will get the courage to take a hard hit.

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Pizza the only CLI's I get lately are new cards from Citibank. Sorry. Use those inqs wisely.

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Well applying for additional Citicards also costs an hard, doesnt it? Than wouldnt it be more logical to waste the hard inq on a CLI on an existing card rather applying and getting low CL = adding junk to credit report?

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In my case it would not. I would not get a CLI from Chase. I am at my max with Navy. Just got a CLI from Penfed. Juniper Sea Miles I am thankful it even exists wouldn't dare wake up that bear. I was denied an increase at 6 months on my Citi Pro card. Figured I could use a personal card from Citi so I went for a DP. If I wanted anything going for another card from Citi was my only option. BOA is not BK friendly I got denied by AMEX and Patelco. I had no other options other than sitting on my cards. Oh and I hit the luv button on the Walmart card already. So that was it.

[smallfry]

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@SonorityGenius wrote:

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@smallfry wrote:

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@Anonymous wrote:
All denials. All my accounts are flagged no more credit with out a hard pull. Not fair. So as it stands I should be able to get CLIs but at the cost of 1 inq per lender. Too painful for me now. Maybe in a few hours I will get the courage to take a hard hit.

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Pizza the only CLI's I get lately are new cards from Citibank. Sorry. Use those inqs wisely.

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Well applying for additional Citicards also costs an hard, doesnt it? Than wouldnt it be more logical to waste the hard inq on a CLI on an existing card rather applying and getting low CL = adding junk to credit report?

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Low credit limit? What would you think a normal % increase would be on a credit card when requesting a CLI? 20%? 50%? I got a $5500 line on a new DP from Citi. While that is not high it is probably more than I would have received on my 5K current Chase card. Since Chase declined to give me a Freedom card last October and I have seen 4 approvals from Citi in the past year which option was the preferred route?

[Anonymous]

How did this happen-

Amex- earlier this month

WAMU X2- No customer requested cli's

Capone- Max for the tier

Junny- lost cause - APR reduction requested

CU x2 = need to wait

Discover- too new

Home Depot- would be a hard

Kay- almost there

[SonorityGenius]

Smallfry: To each their own, if that works out for you, great!!

I prefer to build on existing accounts and building up CLs gradually while preserving age of the accounts due to my relatively young CR history.

If I applied for a new card every time I wanted a CLI on an existing account (for example opening 4 citi accounts you did) I would have lowered my average age to um 1 year and added 4 accts on my CR to keep track of and keep "active" = more maintainence which I would avoid if I gradually build on existing open CLs

[Anonymous]

Why don't you try opening new accounts with lenders you're already with and then combining the two.  Basically you would just be getting a CLI on the original card of whatever you're approved for on the new card.

[smallfry]

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@Anonymous wrote:

Why don't you try opening new accounts with lenders you're already with and then combining the two. Basically you would just be getting a CLI on the original card of whatever you're approved for on the new card.

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Been there done that. I am done for a couple of years now.

[wmarat]

Paypal buyers LOC 700------900 WOW

Walmart 725------------850 WOW

Citi 3900-----------------7100

BOA MC 11000-----------------15000

Macys Visa 2000----------------5000

Boa Amex  5000-----------------15000

Denied CLI by JCP, Amex Blue

[Anonymous]

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@smallfry wrote:

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@Anonymous wrote:

Why don't you try opening new accounts with lenders you're already with and then combining the two. Basically you would just be getting a CLI on the original card of whatever you're approved for on the new card.

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Been there done that. I am done for a couple of years now.

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I was specifically telling sonority, because of the comment about applying for a new card every time he wanted an increase lowering the avg age of accounts.  A new card would likely have a limit higher than what you could get through a CLI as was stated earlier, and age wouldnt be affected after the accounts were combined.

[Anonymous]

She-

"age wouldnt be affected after the accounts were combined."

This is incorrect- AVG age is all accounts open or closed 

Combining only combines the CL's and closes one of the TL's-

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@Anonymous wrote:

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@smallfry wrote:

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@Anonymous wrote:

Why don't you try opening new accounts with lenders you're already with and then combining the two. Basically you would just be getting a CLI on the original card of whatever you're approved for on the new card.

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Been there done that. I am done for a couple of years now.

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I was specifically telling sonority, because of the comment about applying for a new card every time he wanted an increase lowering the avg age of accounts.  A new card would likely have a limit higher than what you could get through a CLI as was stated earlier, and age wouldnt be affected after the accounts were combined.

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