What do you say when asking a CCC for a CLI?

[Anonymous]

I'm curious as to what you say when calling a CCC asking for a CLI? Do they ask you what the reason is & if you plan on a spending spree or what? Do you just ask for it without an explanation? I'm on my 6th month with a $500 Cap 1 Plat & would like at least another $500 CLI. I stay under 10% utilization always & have not been late on it at all. I have 2 baddies but 1 should drop off this June. I also have an HSBC with a $500 limit but it seems they are pretty tight from what I've read here. Should I even bother asking HSBC?

Also how long should you keep sub-prime cards before apping for better cards?  I have my eye on a Performance Bicycle Rewards Mastercard & perhaps a Hooters since I've read good things about their card. I'd like to eventually close both the Cap 1 & HSBC if I can get better cards with higher limits.

[Anonymous]

Re: CLI - I just say, I have been a good customer and I would like to have a CLI. I do this over the phone BTW.

I think ask what they think I will get approved for and make sure it is a soft pull. They will most of the time let you know what they think is best. If you want to go higher you can try-but they seem to have a pretty good idea of what will come through w/o being declined. Sometimes they tell  you they can just put in something like "highest amount allowed" and then the comp. spits back an answer. Or you can be conservative and say- well, I am at 2700 right now, what do you think about 3500. And they will give you their opinion whether it is good or not.

Just my 2 cents.

Balance transfers are different.

[Anonymous]

I always just ask for it and if they need (or want) an explanation I say, "to take advantage of *insert nice company comment here*" (rewards, BT rate, etc...).

BTW, how old are our baddies? What else is on your reports? Do you have recent lates or derog's? Is an income thing? Looking at your scores you should be dealing with CL's higher than that.

[marty56]

Sho me some lovin.

Some CCCs have a function on their website to ask for an incrase with talking with someone.  Less stressfull.

[Anonymous]

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@marty56 wrote:

Sho me some lovin.

Some CCCs have a function on their website to ask for an incrase with talking with someone.  Less stressfull.

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No foreplay or anything, huh? Just give it up!!

[marty56]

no foreplay

I am a Texan by way of New York.  How could I ask a CC if it is drunk?  be real.

[Anonymous]

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@marty56 wrote:

no foreplay

I am a Texan by way of New York.  How could I ask a CC if it is drunk?  be real.

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A drunk CC. Where? lol!

[Anonymous]

My lates are over 5 years old. Prior to last Summer I had no CC usage at all for over 5 years, I always paid using my debit card. The last auto loan I had prior to this past December was paid off in 2001. So from a credit standpoint I pretty much started from scratch last year. Both those sub-prime cards have helped me a great deal & as stated I'll have 2 baddies fall off this June.

I went ahead & apped for both the Performance Bicycle Rewards Mastercard & the Hooters. I was tired of staring at the apps, filling them half way then closing my browser over & over again. I got the standard "10 day blah blah blah" from both cards. I'll just wait & see, thanks all.

[Anonymous]

Ok I understand now. Your situation is pretty similar to what mine was like a few years ago.

From what I have read Hooters always give that response, you should be in with them. I have never heard of the Performance Bicycle card. Who is the bank behind it?

Good luck. Like I said I was pretty much in your situation, but at the time my scores were in the low 600's (because of some lates from a car loan, so be patient.