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@Stage24u wrote:I have had a Kays card for 1yr now, $7600 limit.
Spent $1200 intitially, when card was opened, and that has been paid off in full.
Card has a $0 balance as we speak.
How do I go about getting a CLI for a larger amount? In store only? via phone?
Also, does Kays do SP CLI or is only a HP?
I asked while in store and the Mgr. requested one for me and got it with no HP.
My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.
@LS2982 wrote:
@Stage24u wrote:I have had a Kays card for 1yr now, $7600 limit.
Spent $1200 intitially, when card was opened, and that has been paid off in full.
Card has a $0 balance as we speak.
How do I go about getting a CLI for a larger amount? In store only? via phone?
Also, does Kays do SP CLI or is only a HP?
I asked while in store and the Mgr. requested one for me and got it with no HP.
My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.
I'm pretty sure existing lenders can pull right through your freeze.
@wHiTeSoL wrote:
@LS2982 wrote:
@Stage24u wrote:I have had a Kays card for 1yr now, $7600 limit.
Spent $1200 intitially, when card was opened, and that has been paid off in full.
Card has a $0 balance as we speak.
How do I go about getting a CLI for a larger amount? In store only? via phone?
Also, does Kays do SP CLI or is only a HP?
I asked while in store and the Mgr. requested one for me and got it with no HP.
My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.
I'm pretty sure existing lenders can pull right through your freeze.
+1
Yes, there is evidence that suggests that - again depending on the lender.
Just to add another data point to this discussion:
I've had my Kay's card since December 2012 and only used it twice (once upon opening acct & once in June for watch repair).
Kay did an AR on 09/01/13 and gave me a $2400 auto-CLI on 10/10/13...OP, check your TU report and see if they softed you. In my congratulations letter they specifically mentioned the upcoming holidays and I quote, "To help make your holidays absolutely magical, I am pleased to inform you that your line of credit has been extended to $X,XXX."