Credit Limit Increase Tips

Author: Nathan
Posted: Wed Feb 02, 2005 11:29 am
Post subject: Credit Limit Increase Sticky?

I really think a sticky where people can give their experiences with CLI's would be very helpful.

Maybe in a format like this:

C.C. Issuer?:
Existing Limit?:
Increase Approved?:
New Credit Limit:?
New Credit Bureau Pulled?:
If So, Which Credit Bureau?:
FICO?:

The reason I ask is I'm a little in shock of this one myself...

C.C. Issuer?: US Bank
Existing Limit?: $4,000
Increase Approved?: Yes
New Credit Limit:? $14,000
New Credit Bureau Pulled?: No
If So, Which Credit Bureau?: N/A
FICO?: N/A

I thought US Bank was pretty conservative.

Moderators, is it possible to do a sticky like this?

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Author: Board Monitor
Posted: Thu Feb 03, 2005 11:20 am
Post subject: Credit Limit Increase Tips

Nathan,

Good idea. Thanks! And, by the way, congrats! Are you sure they didn't pull your credit? Did you request the line increase?
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews

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Author: Nathan
Posted: Thu Feb 03, 2005 11:20 am
Post subject:

Hey Curtis, what do you think? Am I of base here?

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Author: Nathan
Posted: Thu Feb 03, 2005 11:30 am
Post subject: Credit Limit Increase Tips
We responded at the same time... What are the odds of that?!

Thank you!

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Author: Nathan
Posted: Thu Feb 03, 2005 12:36 pm
Post subject: Credit Limit Increase Tips

US Bank branches are new here in town and I just opened a checking account. I set up the credit card to withdraw payments automatically from the checking -- but for whatever reason it didn't take, so I had a late payment...

I called them annoyed and disgruntled because of the error. The CSR was great. I asked the question "How does this affect my relationship with US Bank, will this be held against me?" She consoled me very well. Then she checked something and offered me a card upgrade (platinum to signature), increase etc.

I asked her if she needed to pull a new CBR like 4-5 times and she assured me she didn't. I checked PG the next day and no hard inquiry!
_________________
There are no stupid questions -- only stupid answers.

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