CLI success stories

For just about anything you want to get off your chest about credit cards.
5 posts
mattbramanti
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CLI success stories

Postby mattbramanti » Thu Jan 31, 2013 11:08 am

Hi all, this is my first post after reading for several months.

Last night on a whim, I requested several CLIs and had some good success.

JCPenney: $100 -> $1,600
PayPal: $2,200 -> $3,800
ExxonMobil: $200 -> $600
Amazon: $2,050 -> $2,500

Here's the one I had the most fun with. Called and got my Walmart limit raised from $1,050 to $1,850. Got online today and clicked the "request increase" button and they bumped it again to $2,850.

Total increases of nearly $7k -- not bad for 15 minutes of effort.

Thanks for the tips!


Fartanywherecard
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Postby Fartanywherecard » Thu Jan 31, 2013 3:15 pm

Congrats. I just don't understand what the point of a $100 or $200 card is. Seriously, what are you going to buy with that? I guess they are just expecting you to pay the balance before the month ends to have more funds available.

mattbramanti
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Postby mattbramanti » Fri Feb 01, 2013 3:26 am

I wondered the same thing - what the hell am I gonna do with a hundred bucks? I ended up maxing it out twice and paying it off twice before the statement cut in the very first month (June 2012, I think). Who knows, maybe that helped.

I also discovered that CVS pharmacies accept the JC Penney card (apparently, JCP used to own Eckerd, and a lot of Eckerd stores ended up as CVS stores.) I've been using JCP at CVS for small, but frequent, purchases for a couple months.

moxie
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Postby moxie » Sat Feb 09, 2013 10:24 am

What are your tips on getting CLIs? I want to increase my Chase Freedom (only $500 CL) but I know it's more than likely a hard pull, so I want to make sure I set myself up for a successful CLI if I attempt one.

MemberSince99
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Postby MemberSince99 » Sat Feb 09, 2013 5:02 pm

Some good general tips would be make sure you don't have any baddies on your report (certainly will help), keep your utilization down (most creditors don't want to give you more credit if they see you are using 90% of what you have already), and show a good track record with them as well (usage and payments) will certainly be good things for dealing with any of them.

Specifically with Chase, I'm not sure what your cards are, but you might tell them that you've shown responsible use of your card and find the limit restrains you and point out how you have to make multiple payments monthly on the card and you'd prefer something closer to your current spending and credit profile, and also that the Freedom is your main go to card and you'd like to keep it that way rather than see more spending go to other cards with higher limits.
Just keep in mind that Chase will want to see you have other cards with a higher than 5k limit before they give you one, I've read this numerous times. You may see them do it with a long (1 or 2 year) good history with them, but surely a 6 month good history may get you 1 or 2k depending on your profile.



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