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| The Review:Got the 3 month credit steps letter around february saying my limit should increase from 500 to 750. But... The next week I got a backdoor increase 2 1000. Now. Its time 4 my credit steps 2 kick in... Will I get 1500 now or get reduced 2 750? Will it change at all?
Comments On This Review: (15 Total)
Comment by Wildrage2 - Posted on 2008-05-08
 I think you can be pretty confident that it won't be reduced. You may or may not get another increase though. Technically, you probably shouldn't, but their system may overlook it and give it to you anyway...depends on how it's set up.
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| Comment Title: Backdoor Increase? |
Comment by LindaLu - Posted on 2008-05-08
How did you get that? I just sent an email yesterday to ask when I was going to get an increase and they said I could request one and not guaranteed to be approved and guess what? got email this morning that it was not approved..I think I am taking the wrong approach to getting increases
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| Comment Title: Back Door Number |
Comment by Wildrage2 - Posted on 2008-05-08
You are. If you talk to regular CS or e-mail them you will almost certainly be denied. From what I see, there's probably almost a 75% success rate if you call the backdoor number. I just got my credit steps increase in April, so I'm going to wait a few more months before I try it out.
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Comment by Debtor00 - Posted on 2008-05-08
Lindalu, the number to get some real action with cap 1 is 18775139959. i called that number with two cards one card got a five hundred dollar increase the other got a whopping 4 thousand dollar increase. I had just been denied any sort of increase about a week before. My boyfriend and brother both got their limits doubled.
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Comment by RivasGlo - Posted on 2008-05-09
Theres a possibility that you will still get that $250 increase to $1250... Im sure that it wont b reduced to $750. I think I read somewhere on the board that someone called to get an increase and the following month their credit steps CLI kicked in so idk.
Keep us posted on what happens! Thanks!
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Comment by Defserv - Posted on 2008-05-09
I did exactly what the OP did and received that second increase. so I would say chances are good :)
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| Comment Title: Thanks Debtor00! |
Comment by LindaLu - Posted on 2008-05-09
But how long did you have your card before you asked for an increase through that back door number and what was your utilization on the card at the time it was approved? what is backdoor anyway? is it like a retention dept? I'm scared to call!!!!lol
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| Comment Title: Denied Me An Increase |
Comment by LindaLu - Posted on 2008-05-10
I just got the courage up to call for an increase and I was denied...no reason...just denied...I called the 877-513-9959...is there another I could try..?
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Comment by Meya - Posted on 2008-05-10
But they denied you becasue you just received a cli in Feb. The back door numbers do not guarantee a cli, there a guidliness and stipulations that are in effect regardless to if it is backdoor or frontdoor calling. Just give it a few more months and try again.
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| Comment Title: It Really Does Work OH MY GOD |
Comment by Tynece - Posted on 2008-05-11
When I first opened the account my limit was 1000.00 I opened it in Febuary. They increased me to 1500.00 just now when I called the number. At first he kept saying my account was too new then he said oh I was looking through some files and found I can increase you by 500.00 That was easier than dealing with customer service. They just read some pre printed script and tell you to wait for the account to be open for 6 months.
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| Comment Title: Hwat Number Did You Tynece? |
Comment by LindaLu - Posted on 2008-05-11
I got my account in sept 07 and even though I got an increase in feb through credit steps that was feb also...what number did you call? who did you talk to?
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| Comment Title: What Number I Called? |
Comment by Tynece - Posted on 2008-05-11
I called the same one as you did. I think it may be who you speak to. I got a man that sounded like his speech was a little slurred older gentleman. He was amazing becasue at first he said it was too new. I started asking a ton of question then he said oh while I was talking to you I found another file for you. Then all of a sudden he increase me. I was added on my dad's as an auth user before and I also have a business account with them. Also I am not very close to my limit and I make at least 2 payments per month. What is your current balance and limit Lindalu?
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| Comment Title: $1500 Limit |
Comment by LindaLu - Posted on 2008-05-11
I make large payments..I used it for a hotel stay in new york but I paid off...do you think having a higher balance made a difference...? I just paid off the hotel stay the day before but I wonder if he denied me because I use the card too much..the guy I talked to was named Mike...I wouldn't say he sounded old though...he was really friendly though..I may try tocall again and see if I get someone different..I work in a call center and I believe me I know that different reps do different things and sometimes they can do things they just don't do...
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Comment by Tynece - Posted on 2008-05-12
I think you are right!!! Becasue I had an awesome rep today at Macy's that waived a whole month of finance charges for me while antoher only did half. I would suggest making sure you have only 30% utlization at the time you ask becasue sometimes being too close alerts them to think you may be in a financial crunch. Also ask questions and get them thinking be really friendly and sound dissapointed that's what I did and he pop found something to cheer me up!
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Comment by Hjm331 - Posted on 2008-05-12
Macy's is really good with CLI's. I think it's time for me to ask for a CLI right now lol
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