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Hey guys! This forum has been such great help to me and in over a week, I was able to do great things to my credit compared to the last 10 years... Thanks!
Anyway, I am just wondering maybe someone can help me out in figuring out which credit cards (or issuers) would be beneficial to PIF or to carry a balance for a better chance of CLI. So far, all I have gathered are for these two:
AMEX (Gold/Everyday) - PIF (3x CLI in 61 days)
Discover (It) - Carry Balance
What about these cards? ( These are actually the ones I have)
Barclaycard (Apple Rewards)
Bank of America (Cash Rewards/Travel Rewards/BankAmericard
CapitalOne (QS)
Chase (FU)
Citibank (ThankYou Preferred)
Wells Fargo (Rewards)
Thanks in advance!
I would not carry a balance to try and get a CLI. It looks like you can't pay what you owe. Always "PIF".
Most believe that the higher the spend through a CC the higher the likelihood you get a CL increase. Some believe you need to let a higher balance report on the statement once in a while to make them see you need it. Then PIF. I believe it is almost entirely based on time and good payment history. It takes time, no top secret Area-51 stuff from this forum will make you get 6x CLI every 2 months.
Cap1 hates balances but if you do carry a balance, make LARGE payments