When calling backdoor for CLI, what do you say?

Mar 012011
 

Of course you say you want a CLI. But, I’ve read where people say they explained a situation.

 

Just wanting to know to have a better chance at an increase. Also, if I still have a $95 bal on my Cap1 should I wait and pay that off first before I call?

 

thanks

Hard Inq for UBM CLI.

Mar 082010
 

I called and asked for cli on my UBM GDB. They increased the cl from $5k to $8k cl. They pulled hard inq on my TU. That is fine with me,

Best Buy= No luv

Mar 022010
 

I use this card alot (Maybe that was my problem) and was denied a CLI. I have a new job I make more money I use the card and pay it in full and if i do use any kind of promotion i pay it off in a timely matter. I havent requested an increase in a year and a half. Im wondering what the letter will say or if there is anything I can do about it. I cant get any luv from any of my accounts (target,bofa,best buy) after having them for 2 years.

 

 

 

 

Bye Bye Orchard

Mar 012010
 

Today marks 3 years w/orchard. When I got it 3 yrs ago, NO ONE but first premier would give me a cc, so i was desperate for any cc, even though orchard had a hideous 79 AF. In 3 yrs, I’ve had ONE cli for 200.

Today I called, asked for 0 AF + a cli. They countered w/50% AF + NO cli…mind you, i’ve NEVER been late or overlimit, used the cc monthly and charged A LOT, etc. They wouldn’t budget on the AF or cli, so I fired them. They said they aren’t giving clis even though I KNOW they gave them out as little as 1-2 wks ago b/c plenty of people posted here and on other boards about orchard auto clis.

It felt good to finally be @ the point where I DON’T need them. I’ll replace the lost cl w/a Usaa 1.5k secured cc + in 1-2 mos., a NFCU cc (even if I have to go the secured route).

So long orchard. I’d miss you if you @ least had cashback rewards like my cap 1 (I earn way more cashback than the AF) or if you’d at least have waived the AF. In a way, closing this reminded me of how far i’ve come credit wise. Things seemed so bleak 3 yrs ago, but now, it’s time to move on up

20 and under have you requested any CLI’s since Feb 22nd?

Feb 272010
 

Just curious how the banks are dealing with CLI for those of who are under 21 since the new credit card act.  I have a couple of cards that should be eligible for CLI’s in March but I am afraid to call…I can’t find any information on who this new CC act effects CC holders who already had cards but are under 21.

 

 

Funny CLI…

Feb 272010
 

After pulling my reports I noticed that I got an auto-CLI on my Target Visa — up 100 bucks!

 

Here’s the funny part.  My limit is now 7.1k.  Wow — a whopping 100 bucks on a 7k CL.

 

I definitely don’t deserve much CLI love as of late (total util running about 45%).  I did open a GEMB/Amazon store card (1.4k) to get 0% on my snowblower — but that’s the most action I’ve had in awhile — other than trying to knock down some of this debt.

 

I got another CLI at some point on my Old Navy — up to 1400 from 1100.  

 

I should prob check my reports more often!  ;)

Auto CLI from BofA?

Feb 252010
 

Been reading the forums for quite awhile but this is my first post.

 

I had a secured cc from BofA that unsecured in April 2009 with a total CL of $1500.  I want to ask them for a CLI but am nervous about AA (I have a few late student loan payments from four years ago on my report) so was wondering if BofA ever does an auto CLI?  I was given a  $500 CLI when my card graduated and PIF each month (or have a max of $100 report).  I nearly max out the CL each month running things through to show usage but always make sure to pay it off before it reports.

 

My scores are currently 661 and 664.  In addition I have the BB RZMC and my student loans – no mortgage or car loan.

 

Any suggestions?

 

Thanks!

Why can’t I get pre-qualified?

Feb 242010
 

I have a been going to the CC website that lets you get  pre qualified but  all of them say they  have no offers at this time I have decent scores (688)EQ

 and just recieved a CLI from bank of america, but the others one no go..I do have a fraud alert of all of my credit files, would that have something to do with it?

Luv buttons

Feb 242010
 

I’m just curious, it may have already been asked but what is a luv button?  I see that term thrown around a lot on the forum.  This is no joke, when I first saw some postings about it, I logged on to some of my accounts and was searching for a button with a heart on it.  :smileytongue:

 

What exactly is it? A link to request for a CLI and only certain people get it? 

 

Thanks! I have some new credit, waiting to see if I can get a CLI on them.  Didn’t know what I was suppose to be looking for when I logged on to my accounts.

Amazon Store Card

Feb 242010
 

Hello all,

 

has anyone been approved for a CLI for the amazon store card? How does the CLI work for this company? When I log into my account online, there is a link to request a CLI, but I don’t want to press it and be denied, or have them do a hard inquiry.

 

Does anyone have an info on this card?

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