On your CLI question: I think I remember your saying that you had a goal of getting a total credit limit of $250,000. Since most people aren't shooting for anywhere near that, continual requests for CLI's can really alarm lenders. And I think that you said that was one of the reasons that AmEx gave. Citi is a great company to get in with, and I'd hate to see you scare them off.
There's a lot to be said for kicking back and letting all your lenders get comfortable with you, and allowing auto-CLI's to get started. I read over and over that the members here with high CL's ($30's and above) never requested CLI's; they just allowed time to do its thing. If it were me, I'd hold off on asking for a CLI until things cool off a bit, especially after AmEx's AA. But then, I'm chicken!
Good luck, whichever way you go.
There's a lot to be said for kicking back and letting all your lenders get comfortable with you, and allowing auto-CLI's to get started. I read over and over that the members here with high CL's ($30's and above) never requested CLI's; they just allowed time to do its thing. If it were me, I'd hold off on asking for a CLI until things cool off a bit, especially after AmEx's AA. But then, I'm chicken!
Good luck, whichever way you go.
OK, ducky, I owe you some thanks, so I'll let you get away with your new card for now! 
One of the big score killers I had on EX was the 0% BT on the new BofA, with an initial balance of $8400 (including BT fee) on a $10K limit. I've already paid it down to $6900, but I was so inspired by your hustling of the citi rep that I called BofA just now and got a CLI to $15K! Suddenly, I'm under 50% on this card, with everything else at its usual $0 balance, so now I'm under 9% overall util. Whew!
Thanks for quacking loudly enough to give me some courage. I'm now going to sit here and quake for a while. (I am a terrible weenie! )
One of the big score killers I had on EX was the 0% BT on the new BofA, with an initial balance of $8400 (including BT fee) on a $10K limit. I've already paid it down to $6900, but I was so inspired by your hustling of the citi rep that I called BofA just now and got a CLI to $15K! Suddenly, I'm under 50% on this card, with everything else at its usual $0 balance, so now I'm under 9% overall util. Whew!
Thanks for quacking loudly enough to give me some courage. I'm now going to sit here and quake for a while. (I am a terrible weenie!
)
@dnm45227 wrote:
way to go hauling! how long have you had the boa card. my third statement cuts next month and i was planning to hit the luv button, but if you ad better luck calling i may do that. was it the usual soft, or since you called was it a hard? if it was hard, tu or ex?thanks!
Got the card on 2/16; paid it down as soon as I could get online from $8240 to $7500; first statement posted 3/5 with $7500; just paid again yesterday down to $6900 (will post tonight at midnight.) I told them them I was getting killed on my EX score from the util, and that also I wanted to do one more BT in a few months, and needed some more wiggle room. (So I guess I'll do one more small BT!)
I'm still stunned --I'm such a major chicken, I can't believe I did that, but after 40-gazillion of your posts where you got CLI's every couple of hours or so, I just had to do something! I'm now purring contentedly away.
BTW, I didn't even know that BofA had a luv button! I just called. And I just now pulled TC, and there's no inq, and they have shown up in the past in about 7 seconds, so I think it was a soft. Certainly, they never said, "Do I have your permission to pull your report," or anything similar. The first guy couldn't make it go, so he sent me to a credit specialist. Guy #2 asked whether I wanted a particular figure, or just whatever was available, and I said the second, and ka-ching, there's another $5K. This will really help my scores, and I must say, BofA just took a major step forward in becoming my major bank of choice when I start culling! And this is an affinity card, too, not a straight BofA, so I'm even more surprised.
He did ask my income, now that I think of it, and I gave him the figure for both my jobs, and he was crunching away, and I tossed in my estimate for HHI. But I think he used my personal ($65K). Sorry, I'm dithering...
edit: corrected wrong initial balance
Message Edited by haulingthescoreup on 03-24-2008 05:36 PM
