@Imperfectfuture wrote:
@Shock wrote:say youre doing home repairs.
Like tha, or for apartments, remodeling, new furniture.
But i wonder what will happen if they extend you credit and you dont make any purchases/home repairs etc
@Anonymous wrote:
@juggalo9er wrote:that you like to keep your utilization down
that you like the reward structure of the card
that the companies csr's are more friendly than another's
that you want to make them your primary card
extensive list....
"I just got a huge bonus at work and i wanna shop till i drop."
Lmao. No. Don't say that. 
In cases like these with CCC, honesty won't get you that CLI. You want to tell them what they want to hear and that's not always the truth. I agree with ElPatitoFeo, this is such a delicate subject that nobody ever admits to lying until threads like this current one are posted on myFICO. That's when we see the true colors of what we actually say to get away with something beneficial.
Don't worry I can keep a secret. Shhhhh
Don't worry I can keep a secret. Shhhhh
I will say this about credit card companies, apping, CLI's, etc. It's alot like going in for the job interview. It isn't necessarily who's the most qualified but rather who makes the best impression.
In this case, you might not be the most qualified, but you keep your UTIL low, only let one card report, etc etc.gives off the impression that you are MORE qualified.
So strightening up your UTIL on reports before an app is like prepping for a job interview haha. Same with CLI's. A HP is a snapshot of your report at the current moment, just like how the interiewer sees you at the moment of interview, not before, not after!
#parables
A good point! I didn't mean to stir any controversy about the topic. I wouldn't lie about my income or anything, but I never really have a reason for asking for more credit than I have other than "well...because I can." I don't NEED credit. I never put more on my card than I could withdraw from my bank account. I could burn all my cards and use my debit and it wouldn't make a lick of difference to me financially. I don't NEED a CLI, I just want them 
! USAA did double my CLI this week after an initial denial and I asked for further review since I've not had a CLI on my account since Ican'trememberwhen and I've never missed a payment with them on my CC or car note.
! USAA did double my CLI this week after an initial denial and I asked for further review since I've not had a CLI on my account since Ican'trememberwhen and I've never missed a payment with them on my CC or car note.
