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Credit limit increases

razzy116
Frequent Contributor

Credit limit increases

Does any one know is there a list of banks that do sp and hp for credit limit increases that i could use for reference down the road. Thank you and be safe.

Starting Score: 663
Current Score: 669
Goal Score: 800


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Message 1 of 11
10 REPLIES 10
AllZero
Super Contributor

Re: Credit limit increases

@razzy116  I don't recall reading a specific list for CLI. If you have a specific lender in question, then perhaps a member can ansewr your question.

Message 2 of 11
CYBERSAM
Valued Contributor

Re: Credit limit increases

Cap1, Discover, BOA, Sync, Barclay, Comenity, AMX and Citi are SP as far as I can think of! BUT if you request on demand some may HP. Just have to make sure CLI option is available first.







           
Message 3 of 11
ChargedUp
Valued Contributor

Re: Credit limit increases


@CYBERSAM wrote:

Cap1, Discover, BOA, Sync, Barclay, Comenity, AMX and Citi are SP as far as I can think of! BUT if you request on demand some may HP. Just have to make sure CLI option is available first.


I can add Elan backed cards to that list. I just received a SP CLI by clicking the luv button.

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($9.5K)
Message 4 of 11
Birdman7
Super Contributor

Re: Credit limit increases

I have never known Barclay to be SP. please give me more information.

And I recently tried Elan and they wanted HP, despite in the past I talked up a representative and got a SP CLI.
-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 5 of 11
RootDet
Frequent Contributor

Re: Credit limit increases

Barclay has been a HP since the loophole closed.

 

US Bank is a 50/50, could be soft or hard

FNBO can be SP if you call in to ask for preapproval

Wells Fargo is a SP if you'd not grant HP permission, they seem to ask.

Navy FCU could be a SP, but only for CLI up to 25k, above that is HP

 

 



Message 6 of 11
CYBERSAM
Valued Contributor

Re: Credit limit increases


@RootDet wrote:

Barclay has been a HP since the loophole closed.


Back in March Barclay gave me a CLI directly form a link in their website! It was SP.







           
Message 7 of 11
Birdman7
Super Contributor

Re: Credit limit increases


@CYBERSAM wrote:

@RootDet wrote:

Barclay has been a HP since the loophole closed.


Back in March Barclay gave me a CLI directly form a link in their website! It was SP.


Wish I could've caught that.

-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 8 of 11
ccquest
Established Contributor

Re: Credit limit increases

Not sure if there's one on myFICO, but I check this one (Doctor of Credit) occasionally.

as of 4/1/21
Current Cards:
Message 9 of 11
RadioRob
Established Contributor

Re: Credit limit increases

Navy was a SP for my last CLI from 30->34.5K.
Message 10 of 11
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