When emailing a CEO for CLI...?

[missjae]

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@Shellie wrote:

When emailing a CEO to ask for a CLI What all should you put in the email?  Any suggestions welcome!

Also, all of you who have done this, were you carrying a balance on your card at the time? What was your score?  Were you successful?

Thanks so much, everyone here is so helpful.  It really is amazing.

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I try to keep it short, but let them know why I am asking for the CLI from them (as opposed to asking for one the regular method) and why I believe my request should be honored.  My main focus is not to be short, it is to provide all information I believe is pertinent to the request.  I did this with Cap1 and am waiting on Citi to make a decision....I got most of what I asked for from Cap1, but not sure about Citi as there haven't been any acct changes yet.

[Shellie]

How long had you had your cards and what were you utl % when you tried this?

Also score?

[missjae]

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@Shellie wrote:

How long had you had your cards and what were you utl % when you tried this?

Also score?

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I've had my Citi cards for about 1.5 years.  My scores are probably high 600's and have always been less than 700 as far as I know.  I should have waited because I paid off almost all my debt, but it hasn't reported. I'm way too impatient lol.   I just had a 30 day late removed as well, but not sure if it was off when they pulled my report.  Citi's problem with me is a collection acct that is reporting.  1 CRA removed it, 1 left it, and the verdict isn't in on the last CRA.  Their EO is moving slow for me.  I dealt with Chase's EO regarding something else and they were super fast.

I had my oldest cap1 card since 2004, but since the love button worked on it, I didn't ask for more.  I'll wait till my reports look better to ask again.  

Oh and utilization before paying down was between 10-17% of my total credit limits, depending upon when they pulled the report.  One of my cards reported a huge balance a few days before I PIF'd, but was reporting $0 prior to that..  I haven't had a problem being denied for utilization in awhile even though 3 cards were nearly maxed....I have a thick file though, or at least I feel like I do.

[09Lexie]

Just want to add asking for a CLI through the EO should be done once your cr profile has improved and all other avenues have been exhausted. EO should be reserved for customers with a seasoned pyt history and a vastly improved credit profile.

[Shellie]

Thanks guys.  I just read on here about calling some denials in right away to recon, or calling on the 61st day for a CLI on "this" card.  I just wondered if I were missing out on some options.