I opened account 3/26... started me with a 17k line on 58k reported income.
When to ask for first CLI? Hard or Soft?
Have charged 2k+ and PIF
bump
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I asked for me first CLI after 6 months, but I've seen reports of 4 months.
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I did it 3 weeks after getting the card, bumped from 7500 to 10k
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Good question. I've had mines since march as well.
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Did you phone in or did you log onto the website?
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4 months here... but they only started me with 1k and that brought me to 17.5k. I think you are going to hit the max exposure wall.
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What is max exposure wall for my income ... guesses?
I plan on transferring all my balances to NFCU come July on the 0% deal and would like to minimize single card util% damage
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Did you phone in or did you log onto the website?
Just hit the button on a Friday it was there Sunday night.
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So that balance transfer deal is coming in July? I called the rep yesterday and they couldn't tell me anything. Also, will you be calling in for the CLI or using the luv button?
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Did you phone in or did you log onto the website?
Just hit the button on a Friday it was there Sunday night.
Was it a soft or hard pull?
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So that balance transfer deal is coming in July? I called the rep yesterday and they couldn't tell me anything. Also, will you be calling in for the CLI or using the luv button?
July BT deal isn't a guarantee, but crystal ball says it is likely.
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It is based on your credit. The better your score, the higher you can go. I would guess you can go to 25-30k fairly safely.
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It is based on your credit. The better your score, the higher you can go. I would guess you can go to 25-30k fairly safely.
Thanks for the response... great signature by the way
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VERY uncommon to get a CLI before 3rd month, and even if it does happen it is usually only a small token. Better to wait until 6th month, quite often is a substantial increase. Or you could tough it out until 12th month hoping for a HUGE CLI!!!
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I've had my card for 6 weeks and I decided to try for a CLI. Currently at 10k. Asked for 20k. Got the 3-5 day notice. Will let you know what happens. No hard pull on Equifax as of yet.
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got around 7k increase pushing CL into the twenties a bit less than 2 months after initial approval
and another 6k around 3 months later...there were a bunch of posts of rather large increases in short time periods back then so jumped on the band wagon instead of waiting at least 6 months as initially intended.
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Okay they pulled a hard on Equifax today. Still haven't seen the increase yet. I'll post back when I get it or am denied.
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I went ahead and pulled the trigger yesterday evening. The luv button wasn't working, so I called in to the rep and he submitted it for me. He told me it would take 24-48 for a decision. I was asking for a 5k increase, just to be safe, which would put me at 17.5k. Just so everyone knows, he told me it would be a hard pull on EQ. I'll update with a decision later.