Tubpbs wrote:TXviking wrote:Tubpbs wrote:I figured. Just curious. I've been seeing people saying they're getting increase / "seeing the love button" but I wasn't positive if it was HP or SP. My account always has the option for an increase ( I guess because I never go for it) but don't want an increase on that avcount...perhaps not even with a SP really. It will only potentially prevent me from getting increase or higher SLs on cards that are useful instead of useless...
I always call rather than push that button, and tell the CSR I do not authorize a HP. I realize that's not always foolproof, but it has worked for me so far.
Meaning when you call and do that it's a SP?
One of three things happen:
- No pull: Approved based on internal records only
CSR says they need a HP; I tell them no and don't get a CLI
Obviously, if you need the CLI you may have to consent to a HP. And I suspect CLIs I've gotten based on internal records alone might have been higher if I'd consented to a HP. But for me, CLIs are just a way to make sure my utilization stays really low (I try to keep it under 2%.) If I'm going to take a HP, I'd rather app for a whole new card.