New Years CLIsolutions

[laboi_22]

So my new years credit resolutions are:

1) don't apply for any new accounts - hard to do I know but I'm happy with my current mix

2) Get CLIs on Discover and Chase Freedom

How should I go about doing this. What is the best method for obtaining CLI from these 2 cards. They are difficult. Currently they are in the sock drawer. They both have low limits. They will both be a year in or around July which is when I intend on requesting CLIs. What should I do up until then with these card? Any advice?

[RockinRay]

I would simply run some small charges on them and PIF prior to the statement cut.

This would be the easiest solution while providing activity on the card.

JMO - Ray

[Anonymous]

Chase does a hard pull for CLIs, just FYI

[JustMe77]

i've read other threads here about Discover CLIs. Apparently they are big on usage, so if you use your Discover card a lot, it will put you in a better position for a CLI.

[quest208]

continue to pay on time is mine.  keep util low.  everything else will fall into place

[laboi_22]

I also thought Discover was a hard pull. I may begin to put a few expenses through these cards each month. In July if I don't have an auto CLI, then I will request a HP. By then my UTL should be lower as well!

[LS2982]

@laboi_22 I would run some regular bills (utility, car) though them for 6 months til july and ask for CLI.

[laboi_22]

I was thinking of doing that however that is what I use my Zync for. But Discover now has 2% cash back for utility bills till the end of this year. Good incentive!!

[LS2982]

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@laboi_22 wrote:

I was thinking of doing that however that is what I use my Zync for. But Discover now has 2% cash back for utility bills till the end of this year. Good incentive!!

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Assign at least 1 bill to each card, still getting rawards and keeping the cards active.

[laboi_22]

Good idea!!