Sorry for the long post.
I just called today to ask how long an account needs to be open in order to be eligible for a CLI. They said you can ask for a CLI at any time. So I asked for one. The rep took some info and said a loan officer will call you back in an hour.
30 min later I get a call. How much do you want? I said at least 1k. She said sure you can have 1k for a total of 1.5k.
Then she said your interest rate isn't going to be the same. I thought oh oh, its already at 18.99 are they going to raise it?
She said your new interest rate is 10.99%, and if you get your combined balances on your accounts to $10,000 or more you'll get an additional 2% discount.
It was a hard pull from EX though, I don't know when they switched from EQ. So I asked that since they pulled EX and I can no longer get my FICO score could she let me know what it was, she said sure its at 691. No change.
So i killed 3 birds for the price of one inq!
Message Edited by ralbusta on 02-27-2009 11:09 AM
