New CLI

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
4 posts
DeeJay8385
Gold Member
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Posts: 44
Joined: Fri Sep 13, 2013 3:51 am
Location: Las Vegas

New CLI

Postby DeeJay8385 » Wed Apr 30, 2014 11:16 am

I've had my Citi Diamond Preferred ($1,000 limit)for 7 months and it had slipped my mind about getting a credit limit increase so I went to citi's website and answered the questions needed to grant me an increase and my credit limit was instantly bumped from $1000 to $2100. I was quite happy with that. I'll wait another 6 months and hopefully I get a bigger increase.
FICO scores (myfico.com):
11/04/14 EQ 746, EX 712, TU 746
02/20/14 EQ 657,EX 649, TU 689


Current Cards:
Discover IT - 3/2013 $1,200; CLI 9/24/13 $1,500; CLI 12/26/13 $1,900;3/26/14 $4,400
Citibank TYP - 9/2013 $1,000 CLI: 4/29/14 $2,100; CLI 10/29/14 $3,400
AMEX BCE - 9/2013 $1,000;CLI 5/19/2014 $2,200;CLI 11/19/14 $6,600
BestBuy Store Card - 10/2013 -$1,000
Barclaycard Arrival MC - 1/2014 $2,500, Auto CLI 8/12/14 $6,500
Bank of America Cash Rewards - 10/21/2014 $5,000
Barclaycard Carnival World MC- 4/4/15 $3000

Closed Cards
Capital One Secure MC - $651 6/2011-10/29/14


cashinout
Platinum Member
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Posts: 78
Joined: Fri May 03, 2013 11:35 pm
Location: USA

Postby cashinout » Wed Apr 30, 2014 11:38 am

thats a good bump congrats.
Fico 745
Fake - 764
Amex Plat - NSPL
Chase Sapphire Reserve - 15k
Chase Marriott Rewards Preferred - 15k
Discover IT - 11.5k
Citi AA Advantage Executive Elite - 22k
Citi Prestige 13.5k
FNBO TravElite Amex 8k

dragon452
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Posts: 77
Joined: Fri Apr 18, 2014 10:30 pm
Location: South Florida

Postby dragon452 » Mon May 05, 2014 2:18 pm

That's right: be patient, and build a relationship with one or two banks. I know that some people "collect" different types of credit cards (I guess just to have variety), and some constantly change from one bank's card to another bank's card because the features or benefits are a bit greater than the previous card. But if you build a LONG relationship with a couple of banks (and take good care of your account), they will grant you increases and requests with a simple phone call, that others wouldn't even bother to attempt asking. This is my advice to you. My experience? Forty plus years with Visa (BankAmericard) and Mastercard (Mastercharge), AMEX, Diners Club, etc. accounts, and I don't bother the banks with CLI requests or APR decreases after approaching (or exceeding) the $25,000.00 mark, or dropping below 9% interest. But that's with very long running accounts, successful loans, and 800+ FICO scores.

Dman316
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Joined: Fri Mar 29, 2013 3:37 pm
Location: Pittsburgh, PA

Postby Dman316 » Tue Jun 03, 2014 7:14 am

Congratulations man!
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.



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