@elaine829 wrote:
I opened my jcpenney card late august last year. I called in nov and csr told me i had to wait till dec 17th. so i called on dec 20 and i got a credit increase of 1200 dollars. I went from a 600 to 1800. Even through it was 4 statement it was worth the wait!!! I always PIF!
You're lucky!! I also PIF every month. My CL is 4k and the exposure is set at 7.5k, but they want to do a hard pull for CLI ?....not worth it to me. I will just wait out the credit crunch. WIll never use more than $400 any given month so no big deal, was just making the rounds (even though I vowed I wouldn't). And at the same time confirming what so many others on the board have said.
[4/24] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 0, EX 3, TU 2. AoOA=15.8y, AoYA=8m.
TCL $678.5K: Personal $562.5K, Business $116K.
