Little Luck with CLI's

[Red1Blue]

I have little luck with CLI's today.

             Old CL - New CL

Dillards $200  to $300

JC Penny $800 to $1800

CreditOne $600 to $700

I need to followup with these cards and see what happens.

HSBC Visa CL $400

HSBC MC CL $400

Target CL $200

Macy's CL $200

Old Navy CL $200

Hopefully, I want to bring all the cards CL to over $1000 soon.

[Anonymous]

I'm having trouble getting CLI on all of my cards. The thing is I use all of my cards a lot and PIF every month & still nothing. I'm just gonna wait it out & see what happens after my cards reach a year. The funny thing is my uncle has like 5 credit cards & he rarely uses them. He was complaining to me that they keep calling him & asking if he wants an CLI but some reason he tells them no. I'm thinking maybe I'm playing the credit card game the wrong way.

[Anonymous]

If you're using those cards & they're not giving CLI I would consider closing them. I just closed my Seamiles account & it's a couple of other cards on their way out. It's no point of me keeping the cards when I'm getting nothing from them. I know I might be losing the history but I can always get that back.

[Anonymous]

Most CCC do not like PIF (Commonly Called Dead Beats) as they are not getting paid for you using their CL.

You are basically getting a 30 to 45 day loan for free from them for nothing in return. Why would they increase the amount they are loaning you for nothing in return.

Your Uncle is getting offers because he likely carries a small balance each month that they can then charge interest.

The reason he is getting CLI offers to is trick him into using more of the available CL and carry a higher balance so they can make more interest if he carries a higher but still low balance.

You have to pay to play in the CLI game.

[Anonymous]

I leave a small balance on no more than 3 of my cards per month. If they want to give CLI to me only if I leave a BIG balance then I would never receive a CLI. I want a larger CL but I'm not gonna purposely set myself up to pay interest for them. If me swiping the card a lot is not satisfying them I'm just stuck with low CL.

Message Edited by l9ikjam on 02-08-2008 12:10 AM

[Red1Blue]

They can call me dead beat or any thing else they want to call me. I am more like i9. I do pif and there is no way I am paying interest on any card. The only way they make money from me is that I buy merchandise in their store. If they want to sell the good to me then they have to give the credit line. If not I could buy in another store.

One thing they can be assured is they dont have to write off the money they lend to me as bad deat. Others could keep charging and pay interest. At some point then get into financial trouble and CCC has to write off the debt. With me they are getting what they see. If the dont like that is fine with. I'll maintain the policy if I dont have money to pay the debt in 30 days then I can not afford to spend that money. ( excluding health or some other emergency related out of control expenses).

[Anonymous]

Just giving you the reality of the situation of getting a CLI.

A question was asked and an answer was given.

No use in complaining about your not getting the CLI if your not willing to do what is necessary to get them like all the others who do receive them.

AMEX loves PIF clients.

Perhaps AMEX is better suited to your self restrictions on credit usage.

[Red1Blue]

Hi awsric, I am not complaining. I am just making a statment, that I would not like to get into debt and eventually into trouble. If you look at the top of the posting, I stated I got 3 CLI's from 3 companies even though I do PIF. I have 3 more to go to get CLI's. I am sure they will give me too. Yes, I agree with you, I think Amex is better suited to my spending and payment patterns. However, Amex is not accepted in all places yet. So I'll carry other cards too in the mean time.

[Anonymous]

Sorry no cli's for you Concorduser...I am grateful I have so far gotten cli's on most of  the low limits ones..

Macys 200 to 300

Target 200 to 500

Orchard 300 to 500

Cap 1 600 to 1100

Tribute 300 to 450

Salute 300 to 350

I need to close at least 5 cards I actually have about 14..

[Anonymous]

I got a random CLI of $100 on my $12K BoA...it was really random to say the least.