After using the card and PIF for the first 6 months I tried calling India Credit Solutions and was denied... then a month later they gave me a $100 (LOL) CLI... and even sent me a letter to notify me how proud they were to give me that $100 increase.
As with everything... YMMV. For whatever reason they haven't been nice to me... I guess I need to start carrying balances.
@myjourney wrote:I don't think you have to literally carry a balance as in paying interest but they will not report w/o usage and from what I've read their new line for denials is you haven't used the card and that kind of makes sense when you think about it in those terms when asking for more credit
I made a $350 purchase that I took 3 months to pay off with a 0% deal... the next 4 months I charged around $100 a month and PIF... and charged $400 last month on another 0% deal... paid $100 and currently have a $300/$700 balance.
My reason for denial was "too many inquiries" despite the fact I have 1 inquiry for 2014 with everything else 6-12 months old. I suspect the Ch 13 is also playing a role in their decision... it's just baffling that GE is being difficult while lenders like Barclay are being generous.
I've heard all about the "CLI every 4 months" but I've called 3 separate times and have been denied each time.... everything you see in my sig is accurate and I am more than deserving of an increase... but whatever... I'm only in it for the Discover/Mastercard upgrade. I don't even shop at Walmart unless it's online.
It all falls under the YMMV but I don't buy into the GE hype at all.