CREDIT LINE INCREASE?

[Anonymous]

shes gotten 1 auto increas since 2006

[Anonymous]

They've never just given me one, but I've gotten one each time I called (every three months) and asked for a guideline increase.  I got clued in to it from the Credit Card forum . . .

Usually, Macys hasn't done any kind of pull, but I notice that the last one I asked for did result in a soft pull.

Here's a representative thread on the subject with lots of folks' experiences:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=148328&view=by_date_as...

Message Edited by jesslyn on 08-09-2009 08:44 AM

[jackg]

PHIL,

Without knowing the background of your relationship with your wife I can say this regarding you adding her as an AU on your CC's. 

1. If you have 70% utilization of your available credit it will hurt her score

2. Is the one late payment you have on one of the cards you want to make her an AU on? If so that also will hurt her score.

3. I wouldn't count on Macy's giving you a substantial CLI, in fact, you might see a CLD if you ask.

I am telling you what you need to know about what could happen but I encourage you to keep working at i, eventually something will pay off. Good Luck