WFNNB CLI timelines

[Anonymous]

Hi guys, does anyone know if WFNNB (Victoria's secret/limited are the cards I have) have certain timelines for requesting CLI's? I know GEMB is every four statements normally and I thought maybe WFNNB followed a timeline as well. Also, do they do a hard or soft pull for one? .. I've never really asked for CLI's before, I usually just wait for auto ones but I'm going to start asking all my credit cards as often as they let me so I can help keep my utilization down!

Thanks guys!

[Anonymous]

I asked for a CLI in June and got $200.00 from Victoris's Secret, No hard pull.

[Anonymous]

Thanks, good to know its not a hard! ..Do you know how often you can request one?

[Anonymous]

I've had my card since 1/08, this was the first time I have ever requested a CLI.  I normally get an increase during the holiday seasons and it's always been auto.

I started with a  250.00 dollar credit limit and now it sits at 1040.00.

[rom828]

You can request a CLI every 6 months, it's a soft pull.   It may take a day or two for the new limit to be reflected.

I have 4 WFNNB cards that I've had since 2005/2006:  Chadwick's, Metrostyle, Brylane and Newport News.  They all started with $250 CL.

I never knew about asking for CLIs til I really started reading this forum about 3 yrs ago.  Prior to my requests, I received a few  automatic  increases of  around  $200.

My current limits are now $2480, $2450, $1970 and $1550.   I've never charged very much on any of these cards (max on a single purchase  was $200 on Brylane for bedding, and about $150 - $250 per year on each).  I always use the deferred billing offered  so I don't pay any interest by paying off w/i 90 days.

I got these cards when my scores were really low and they've been great re-builders and utilization 'helpers' (though I didn't know about any of that stuff back when I got them!!)

[Anonymous]

Thanks for the info, I didn't know that you can request a CLI every six months.

[Anonymous]

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@rom828 wrote:

You can request a CLI every 6 months, it's a soft pull.   It may take a day or two for the new limit to be reflected.

I have 4 WFNNB cards that I've had since 2005/2006:  Chadwick's, Metrostyle, Brylane and Newport News.  They all started with $250 CL.

I never knew about asking for CLIs til I really started reading this forum about 3 yrs ago.  Prior to my requests, I received a few  automatic  increases of  around  $200.

My current limits are now $2480, $2450, $1970 and $1550.   I've never charged very much on any of these cards (max on a single purchase  was $200 on Brylane for bedding, and about $150 - $250 per year on each).  I always use the deferred billing offered  so I don't pay any interest by paying off w/i 90 days.

I got these cards when my scores were really low and they've been great re-builders and utilization 'helpers' (though I didn't know about any of that stuff back when I got them!!)

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Thanks! this is the info I was hoping to find! ...I to have learned of asking for CLI's from the myfico forums and my WFNNB have been great rebuilders for me too,. I will be asking for a CLI every 6 months now!

[rom828]

This forum has been...and continues to be.....a virtual font  of great information!!   I'm so grateful to all the contributors!!

I figured the 6 months time line out by trying at 4 months,  receiving a 'no' letter, and then resubmitting at 6 mos.  Customer service never gave me a straight answer about CLIs, but I have never been denied   CLI requests when I submit them at 6 mos intervals.

FWIW, if/when they do decline, they use a form letter that says "due to your poor payment history with us".  I got one of those the first time I requested a CLI (@ 4 mos) and was irate because I had never been a second late.  I called and was advised by CSR 'it's just a form letter they use'  and  the letter means they just want 'longer payment history'.  I suggested  that perhaps they  should consider rewording  their form letter as 'poor payment history' is a lot different (and more insulting) than "longer payment history"!!

The next CLIs I'll be requesting will be after the Sept statements drop,  as I rec'd  CLIs  on a couple of these cards in March.  The other 2 will be after the Dec statement.

I guess at some point I'll top out with them.   CSR at one time  advised they  'rarely go as high as $2000 ', but I've exceed that on 2 of these cards already.  I plan to keep requesting until they advise 'no more'!! 

[Creditaddict]

How high the credit line goes totally depends on which store card it is.  My friend has Express with $2880, he asked for increase and was sent a letter that he was at Max limit for the Express Card.

But I am auth. on Pottery Barn, Z Gallerie, and West Elm and they all started at $3k, I have never really used them so they also have not increased but I have a feeling for the furniture store places, they would go much higher.

[rom828]

I think you are probably right, credit.

Since mine are basically just catalogue cards and started at only $250, I'm thinking I'll be maxing out pretty soon.

I  would think yours have great potential for considerably higher limits,  if you were so inclined.