Cli freedom now or wait?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
3 posts
beef.stu
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Location: Bay Area

Cli freedom now or wait?

Postby beef.stu » Tue Aug 27, 2013 4:00 pm

I just got a cli on my Wells Fargo visa platinum from $2400 to $3900 with a soft pull.

The next card that I want to get a cli on is my freedom. Should I request it now before the new limit shows up on my credit report or should I wait a month or so until it is reported, or will it not make a difference either way with regards to how much Chase would be willing to give me?
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature


432521
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Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

Postby 432521 » Tue Aug 27, 2013 8:20 pm

how did you get a CLI with a soft pull on your wellsfargo card?

I say to go ahead and do it since your BCE is already at 6000 you can ask chase based on matching that once since it is so much higher than your freedom card.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

beef.stu
Centurion Member
Centurion Member
 
Posts: 122
Joined: Wed Dec 26, 2012 12:03 am
Location: Bay Area

Postby beef.stu » Tue Aug 27, 2013 10:11 pm

432521 wrote:how did you get a CLI with a soft pull on your wellsfargo card?


Just call the number on the back of your card. I read on myfico that they would do a soft pull cli if you request it, and sure enough they were able to. The rep said that the system will tell them if they need to do a hard pull to grant the cli, otherwise they can do it with just a soft.

I was surprised because I had always heard that Wells Fargo was a hard pull for any cli request
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature



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