orchard bank question..need you input

[Anonymous]

Hello all,

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? 

[Guava]

Paying it down or paying it completely will help with your CLI consideration 

[Anonymous]

do they base the Cli on the balance of the acct or on the score and dti?

[scientifics]

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@Anonymous wrote:

do they base the Cli on the balance of the acct or on the score and dti?

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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.

[Anonymous]

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.

[Switch2007]

CONGRATS! 

May I ask if you called the back door number or the number on the card? 

[Anonymous]

Thanks, i called the number on the back of the card

[Anonymous]

Checked all 3 CR and they only pulled a soft and got $ 200 increase not bad..