Bank atlantic CLI after AOR or close and reapply

I got a 500 bank Atlantic card My TU is beautiful now with a 767 FICO and no baddies. I was denied a CLI on NOV. 15 07 (I still had a baddy from 6 1/2 years ago)

Heres my question, Should I CLI again with my new perfect score. Or should I close it and reapply, What will give me a better chance at a high credit line? I've alread lost 4 months of my 0% offer.

They gave me a juny card in Sept and used that as an excuse to deny my CLI request (suffient credit with juny) so I closed the 2,000 personal juny.

So close and REapply or CLI or apply for a different juny BIZ card.

Thanks

If you're willing to send them financials, I would CLI. Make sure you speak to the credit dept directly, not regular customer service. Look in the "credit card issuer faq" for the number.

MikeR397 said: You might want to make sure that you can still do the BT with no fee. Often issuers will restrict it to doing it in the first 90 days (but I don't think Bank Atlantic does this). I would close it and reapply if you are not going to reapply for at least 3 months (and then request a large BT on the application, which will help you get a bigger line). To be honest, I doubt you are going to get a great line with them given that they will know you've previously had a $500 limit. Even if they do CLI you, if they give you a CLI to $2,000, that is already 400% increase, but still not really worth the effort of doing an AOR with given a $75 fee max and lower savigns yields these days.

Agreed not worth it, but like I said. I was hoping the new 767 fico would over ride that 500 + 400% increase thing. But you may be right.

If I close it do I have to wait 90 days? I know some get away with it with Advanta, close then reapply like the next day. I think THISGUY did that.

My financial are like SCMs and just look like a mess or a real business. God forbid I should look like a real business.