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I should be able to get a CLI on my old Orchard card (now Cap 1). A rep told me that I could request that 30 days after the transition. That card currently has a $950. limit and $0. balance. It gets used but I made sure it was paid off. I'm going to see if they will match my other Cap 1 card which is $2500k. The second card's statement just closed yesterday. Should I ask now or wait a few days until it reports a $0. balance on my CRs? Last month's balance reported was $896. and that card had a high of $2499. during the month. Now $0.
I don't know if they will look at my accounts internally or just do a SP on my CR.
@masscredit wrote:I should be able to get a CLI on my old Orchard card (now Cap 1). A rep told me that I could request that 30 days after the transition. That card currently has a $950. limit and $0. balance. It gets used but I made sure it was paid off. I'm going to see if they will match my other Cap 1 card which is $2500k. The second card's statement just closed yesterday. Should I ask now or wait a few days until it reports a $0. balance on my CRs? Last month's balance reported was $896. and that card had a high of $2499. during the month. Now $0.
I don't know if they will look at my accounts internally or just do a SP on my CR.
I would give it more time they are still telling people the full transition is not completed yet...YMMV
I told a rep that I was thinking about asking for a CLI a few weeks ago but was going to hold off. She said the option was available 30 days after the transition.
I guess I'm going to end up waiting. My Walmart closed yesterday. That also has a zero balance now so I'm going to wait until Monday to have a better chance for it to report too. I'll try the love button first. Then depending on what I get, if anything, I'll give them a call. I'll be very surprised if i don't get an increase.
@jeffg330 wrote:
Waiting for BOTH to report is a no brainier IMO. what would that bring your total UT from/to? Good luck and please post results.
That depends on which CR is viewed. One of my reports shows an open account with about a $6k limit but as far as I know that isn't active. It says HSBC which I think was a Best Buy card. I haven't used that in years and was told that it was closed. But anyway, the report that shows that card was at 31% before the payments reported (they showed on my alert from here over the weekend) and 26% after. Without that account, real UT was at 48% then down to 39%. That's with 2 out of 7 cards reporting balances ($3500. out of $3700. and about $1475. out of $3000.). Real UT will drop to about 15% in a few weeks.
I posted this in the credit cards section earlier -
Last night I hit the Love Button for a CLI for Cap 1 and received the 10 day notice message. I tried calling the EO office after but they are closed on the weekend. No letter in my file yet but again, it's the weekend. From other's experience, could I see an increase show up in a few days? I'm probably just going to call the EO office in the morning. They have been very helpful before. Both of my Cap 1 accounts have been paid off in the last month (one was $2500 that month) and new charges are usually paid off monthly. I'd be surprised if my current $950. limit on the card I'd like to increase doesn't get a bump.
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The card that had a $2500. balance when I paid it off reported at $896.00 last month.