1. I got some questions for you all and i need some imput please. I have a orchard bank account opened in oct 2008.The limit on the card is $820 and the balance is $743, now with the recent Cli changes i wanted to call in and get a Cli. Is the balance on the account going to be a problem? should i paid that off first?. I never missed a payment on this card, i started with 320 dollars. credit score is in mid 600s.,dti around 60/40. Should i wait until i pay of the balance then call?
Paying it down or paying it completely will help with your CLI consideration
do they base the Cli on the balance of the acct or on the score and dti?
They base the CLI on everything on your account and credit reports. The lower the balance you have and the better your score and DTI, the better chance you get a CLI and the higher it could be.
So i couldn't wait no more and i made the call.lol.. they just asked me for my income and they he said i was approved for $200 dollar limit from from 820 to $1020. I had TU/EQ frozen only experian is open, so will see if a inquiry will show up on exp beacause he wasn't able to tell me if it was a soft or a hard pull.
May I ask if you called the back door number or the number on the card?