No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
If it has an annual fee... just close it..
Otherwise, sock drawer and lower your expectations... Hooter's card will never be the Hilton surpass card
No luck requesting but after a year it went up $200 then 4months afterwards another $200, I let you know in 2 months if they raise it again.
I myself have a Merrick Bank visa and have only gotten a CL(200) once since opeining account back in May 2012. They actually sent me a letter back in Nov warning me that they may close my account if i keep opening new accounts. My Discover, Walmart and Dillards had reported in August so i guess thats what they were talking about. They auto CLI a month later. I dont think this card will grow with me but i like the fact that they provide with a free monthly bankcard-enhanced TU Fico score if you sign up for paperless statements. That is the only reason i havent closed it.
@shorrttyycm1 wrote:
I have never had a cli and i have had the card 2 years 3 months
sign up for paperless statement and you can see a monthly TU Fico score that they provide and is the same score they use for Account Review. Otherwise if you really dont have much use for it then just sock-drawer or close it.
Got mine (Merrick Visa) in Oct 2011 with an 1100 CL. have gotten regular increases every few months. The last one just a few weeks ago. I am not at 3100 CL. Seems each tim I PIF or make a large payment within a few weeks I see a CLI.
@shorrttyycm1 wrote:
+1 Love that u get a free score but it never updates at the same time each month? It actually shows me having a higher score than myfico. Too bad it isn't my real score :-(
It is a true score because it is part of the FICO family. Im sure thats the score they use for account reviews and approvals. It is know as a "bankcard-enhance" FICO score. Im sure not too many lenders use this scoring model but it is a real score (Not FAKO).