I just did the on-line credit increase request for my Citi Platinum card and it was increased by $1,100! I haven't done it for a while though, so it probably didn't need to think to much to shoot my limit up to around $6,500. Time to buy more 'crap' now.
Well I went online today and requested an increase so they raised it from 25k to 35k this morning, kind cool.
But I wish I could use a 0% BT, but on anotehr card since I use the USAA one as primary.
NM, I found the answer on the previous page 
We know the "Discover Rule" requires any CLI beyond 15k (if you've already reached 15k) to be a hard. But what about other issuers? I'd like to get some data points for similar rules from various issuers. In a couple of recent calls to Citi, I was told that anything over 20k by one CSR or 25k by another CSR require a hard - but two different figures from two different CSR isn't much of a rule...
dlr3 said:We know the "Discover Rule" requires any CLI beyond 15k (if you've already reached 15k) to be a hard.
That's the old rule, the new "Discover Rule" is beyond 25K. I went from 14K to 17.5K last month, no hard pull. Now if I could just get a good BT offer or if they would allow reallocation to one of those 0% for life deals...
mhesidence said:That's the old rule, the new "Discover Rule" is beyond 25K. I went from 14K to 17.5K last month, no hard pull.You weren't at 15k when you were bumped to 17.5k. I've seen no exception to the rule for those already beyond 15k.
I asked for an MBNA credit increase 3 days ago and was denied. My statement was up today and I looked online and they gave me an automatic increase today... Go figure.
Tried doing Chase online CLI. I have 3 accounts. Increased one within a few hours from 3k > 7.5k. I tried another to go from 2k > 15k, and was denied, haha, guess I got a little over-zealous. Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhh
Is this a hard pull? The message I got.
"We regret that we are unable to approve your request at
this time. You will receive a letter explaining that
decision in approximately two weeks. The letter you
receive will provide the reasons why we are unable to
grant the additional credit to you. The letter will also
include the name and address of the credit bureau agency
that the report was requested from for our decision.
danboris said:Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhhI did mine over the phone. I had 4 accounts on the first and oldest one I requested specific increase and I was denied. On the other 3 accounts I asked for whatever I could get, and all three got over $3k increases each. So you might be better off on the phone.
is chase always a hard pull?
everytime i ask for an increase online it asks to fillout information and says they can request whatever they want. anybody with the info? thanks in advance
jairocon said:danboris said:Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhhI did mine over the phone. I had 4 accounts on the first and oldest one I requested specific increase and I was denied. On the other 3 accounts I asked for whatever I could get, and all three got over $3k increases each. So you might be better off on the phone.
Is there a specific automated number to call for Chase or simply the number on the back of the card?
vwbugman69 said:Is there a specific automated number to call for Chase or simply the number on the back of the card?The number on the back of your card.
wakko said:is chase always a hard pull?
everytime i ask for an increase online it asks to fillout information and says they can request whatever they want. anybody with the info? thanks in advance
Looks like they always do hard pull. Chase CSR once told me that.
I have found Chase to be the most stingy with its credit limits. So far what I have found is that Chase always does a hard pull from your credit report - be it online or phone.
Anyways, would it be really bad for me to have a hard pull ? I must decrease my utlization ratio (currently it is at 90-100%)
Thanks.
neednowallet said:would it be really bad for me to have a hard pull ? I must decrease my utlization ratio (currently it is at 90-100%)Without additional info, no one here will be able to say if it's a bad idea for you to take a hard - you'll have to make that call. In general terms, the 90-100% ut is killing your FICO (unless you have a number of other revolving accounts with low ut to balance it all out). Is your total ut so high that it might cause Chase to decline your CLI request outright? - double whammy, now you have 90% ut and a ding of a few points to boot. However, a significant enough CLI would take off some of the ut pressure - you'll get those points back + more in the next 6 months. Greater benefit may be gained by paying down your balance.
OK i got an AMEX hhonors this last month and got a really low cl since i had a mii aor in july. Now I hear that you can get CLI from there online forms wihout pulls usually after first cycle. Should i wait a few months before I try or start right away? Ive already maxed my card and paid it off twice. Low limits are crap when your trying to max out points
my friend got her AMEX blue sky in june.. showed her the online CLI page.. and she got an instant CLI, doubling her CL to $5,000 after only having the card for 2 months. didn't have to enter any info either.
awsome so i just got a AMEX CLI, didnt ask for any personal info so it was no pull they gave me $1200 from 2k to 3200. Ok so the card is currently at like 52% untilization, hasnt been 1 billing cycle yet (fgot 10 days still). I have maxxed the card card and paid off alread tho. Im ery happy with AMEX now, 2k is so small hard to make decent size purchases for points. I've had my card for umm.. maybe 20 days lol..
That sure implies hard pull.
danboris said:Tried doing Chase online CLI. I have 3 accounts. Increased one within a few hours from 3k > 7.5k. I tried another to go from 2k > 15k, and was denied, haha, guess I got a little over-zealous. Is doing Chase by phone the best strategy? Cuz the online one makes you put in a specific requested dollar amount, sheeshhhhh
Is this a hard pull? The message I got.
"We regret that we are unable to approve your request at
this time. You will receive a letter explaining that
decision in approximately two weeks. The letter you
receive will provide the reasons why we are unable to
grant the additional credit to you. The letter will also
include the name and address of the credit bureau agency
that the report was requested from for our decision.
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