Question on requesting GE CLI?

[halos24]

Since we no longer can request CLi via the website for any of the GE cards I have a question for those of you  have have experienced an actual CLI when calling.  I just called on my Care Credit account which currently has a CL of $1k and a $0 balance.  I have had the card for over 6 months so figured I would try it out.  It did ask for the last of my social along with how much I would need so I said what the heck asked for total $2k so only asking for a $1k CLI.  It right away told me although we were unable to approve you for the requested amount we might be able to if we pull a current CR... I automatically said NO and thought I would come back and ask all of you.  

So when you guys have asked for a CLI and it has approved you what is the process?  How about when they counter offer a different amount?  I just wanted to make sure I know for any of my other cards I have.  I am assuming that even for the counter you guys normally do not hear to have them pull a current report?  Or am I wrong?  Let me know, thanks! 

[kjm79]

My recent experience was with my JCP card.  They denied the CLI I asked for and countered with a higher CLI.  Very odd.  Didn't ask or mention a credit pull and no inquiry ever showed up. 

My DH received an increase on his Amazon card in Jan.  He had asked for a $500 cli and they automatically countered with a lower $200 cli.  We haven't received the message they might need to pull a report. 

[bichonmom]

When I got my ON CLI by phone, it did NOT ask for my SSN. It asked for my acct. number. It *may* have asked for the last 4 of SSN, I don't recall. But definitely NOT the entire SSN. It asked me how much I needed for my upcoming purchase, so I said, "2k." It came back and said, "We cannot approve that, but we can offer you $1500. Do you want it?" Of course, I said, "yes."

It's possible that Care Credit works differently than the store cards. If it's asking for permission to pull your CR, I would assume that it's going to be a HP. I don't think it would ask your permission for a SP.

[Creditaddict]

CareCredit did this to me also, but I have not heard of that happening on the other GE cards, but I can update next month maybe!

[Anonymous]

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@Creditaddict wrote:

CareCredit did this to me also, but I have not heard of that happening on the other GE cards, but I can update next month maybe!

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I think CareCredit is a little bit different than the other GE cards... I've never had a cli from them but get one every four months from all my retail cards.

[LS2982]

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@halos24 wrote:

Since we no longer can request CLi via the website for any of the GE cards I have a question for those of you  have have experienced an actual CLI when calling.  I just called on my Care Credit account which currently has a CL of $1k and a $0 balance.  I have had the card for over 6 months so figured I would try it out.  It did ask for the last of my social along with how much I would need so I said what the heck asked for total $2k so only asking for a $1k CLI.  It right away told me although we were unable to approve you for the requested amount we might be able to if we pull a current CR... I automatically said NO and thought I would come back and ask all of you.  

So when you guys have asked for a CLI and it has approved you what is the process?  How about when they counter offer a different amount?  I just wanted to make sure I know for any of my other cards I have.  I am assuming that even for the counter you guys normally do not hear to have them pull a current report?  Or am I wrong?  Let me know, thanks! 

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Almost all GE accounts are SP CLI's except CareCredit for some reason. All of my CLI's were counteroffers and SP's (Walmart, JCP, ON)