When should I ask for a CLI?

[bridgetkaryn]

Hi,

So long story short, I had some REALLY bad credit, used these boards to clean it up and get all my scores above 640 in about 6 months! There were a couple of things that I couldn't get off (2- Cap 1 CO's to be specific) but they should fall off in the next year or so (YIPPEEE). In July my scores were finally high enough to start applying for cards beyond the Orchard Bank and Credit One cards that I already had.

What I want to know is, when for each of the cards listed below would be the time to ask for a CLI? I have included the dates the CC was opened and my current balance/limit for each card. Also, which cards do a hard pull when you ask for a CLI?

Apple FCU- 8/13/2008- $100/500 (will PIF on Friday)

Citi AAdvantage- 7/26/2008- $800/9000 (will also PIF Friday)

Target- 2/15/2007- $0/200 (I don't think I will EVER get a CLI!!!)

Orchard Bank- 2/3/2007- $70/320 (they bumped up my CL 3 months ago a WHOLE $120! I forgot to cancel end of Jan and got hit with the annual fee, so I guess I will get my moneys worth and keep it for another year!)

Ann Taylor Loft- 7/1/2008- $0/250

Chase Freedom- 7/17/2008- $0/1000 (used frequently)

Cap 1- 6/30/2008- $0/2000 (used frequently and started out a $1000, got bumped up to$1500 after 3  months(call) and another $500  due to the credit steps program)

WaMu now Chase- 6/27/2008- $0/2500 (use frequently)

Hooters- 6/30/2008- $0/500 (use atleast 1 time/mo)

Macys- 5/11/2008- $200/400 (Just bought a comforter, about to pay off before statement cuts. Originally received a $200 CL, had it increased to $400 after calling)

Bank of America- 5/12/2008- $0/500 (use frequently. I think I need to wait until 9 months? then I get an automatic increase? Yes? No?)

Thanks in Advance for your help/Advice!

Bridget

[oracles]

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@bridgetkaryn wrote:

Hi,

So long story short, I had some REALLY bad credit, used these boards to clean it up and get all my scores above 640 in about 6 months! There were a couple of things that I couldn't get off (2- Cap 1 CO's to be specific) but they should fall off in the next year or so (YIPPEEE). In July my scores were finally high enough to start applying for cards beyond the Orchard Bank and Credit One cards that I already had.

What I want to know is, when for each of the cards listed below would be the time to ask for a CLI? I have included the dates the CC was opened and my current balance/limit for each card. Also, which cards do a hard pull when you ask for a CLI?

Apple FCU- 8/13/2008- $100/500 (will PIF on Friday) Dont know sorry

Citi AAdvantage- 7/26/2008- $800/9000 (will also PIF Friday) After 6 months you can ask for a cli and they will pull soft unless you dont qualify for, they will pull hard

Target- 2/15/2007- $0/200 (I don't think I will EVER get a CLI!!!) They dont accept request, only auto and good luck lol

Orchard Bank- 2/3/2007- $70/320 (they bumped up my CL 3 months ago a WHOLE $120! I forgot to cancel end of Jan and got hit with the annual fee, so I guess I will get my moneys worth and keep it for another year!) They are very difficult to get a cli. YMMV you can ask every 3 months but again they dont give many cli's, if they do give you a cli, it is with a payment or soft pull

Ann Taylor Loft- 7/1/2008- $0/250 Dont know sorry

Chase Freedom- 7/17/2008- $0/1000 (used frequently) Hard pull definitely and after 6 months

Cap 1- 6/30/2008- $0/2000 (used frequently and started out a $1000, got bumped up to$1500 after 3  months(call) and another $500  due to the credit steps program) I think on your 7 statement you get an credit step increase, this is what i have read

WaMu now Chase- 6/27/2008- $0/2500 (use frequently) wait until after march when the merger is complete. Wamu currently does not give requested cli. Afterwards, who knows what will prevail as to cli's 

Hooters- 6/30/2008- $0/500 (use atleast 1 time/mo) Hard pull and after 6 months

Macys- 5/11/2008- $200/400 (Just bought a comforter, about to pay off before statement cuts. Originally received a $200 CL, had it increased to $400 after calling) call every 3 months to get a GLI they dont pull, just looks at payment history

Bank of America- 5/12/2008- $0/500 (use frequently. I think I need to wait until 9 months? then I get an automatic increase? Yes? No?) Soft pull and they are good with cli's, i would wait 6 months

Thanks in Advance for your help/Advice!

Bridget

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Hope this helps

[bridgetkaryn]

Thanks a bunch Oracles! I will start calling on the soft pulls or the no pulls today!

Regards!

Bridget

[oracles]

No problem Bridget and keep us updated on your success.