creditreformer Posted July 2, 2008 Report Share Posted July 2, 2008 In my 'no one and I mean no one will give me ccs again' days, I signed up w/first premier...twice. @ least they only gouged me on fees for 1 of the ccs. So it's been about 18 mos. on 1 of the ccs- perfect history w/first premier- and ALL ccs since. I thought I'd call and 'feel them out' about a CLI.Call w/rude person went like this-Me: So I've had your cc for 18 mos and have another, perfect history, how about a CLI?Her: Nope, not going to happen. We don't give auto CLIS. Even if you pay, we won't give you a CLI.Me: Huh? I've been w/you 18 mos., 2 ccs, perfect history, NO baddies since 03, have more ccs w/higher CLS, and you can't give me ANY CLI? Why?Her: No. I just have some general screen and it says no, so too bad.Me: Ok, so can I combo my ccs?Her: Nope, not going to happen. We don't do that.Me: Ok, plmk when my 2nd cc AF will post so I can cancel that 1 (thinking- who cares, I should cancel you now, you *&$%&$%&$).She didn't even try to keep me to stay or budge on the CLI, but told me when my 2nd cc AF will hit. That 1 WILL be canceled @ the 1 yr mark. CC #2 WILL be canceled @ the 2 yr mark and that's just b/c I already paid that AF.By contrast, I call cap 1...had that card since 4/08, 300 CL, PIF, lots of use...but of course, I want MORE CL. I had the 'credit steps' mail indicating I'd get a ~whopping~ $200 CLI after my 3rd statement, but I didn't want to wait and $200's nothing to get excited over...though of course I hope cap 1 'auto clis' me w/that anyway. So Cap 1 just gave a 300 CLI w/o a hard pull AND w/a MUCH more polite and useful person. Cap 1 also said they'll mail me a form that I can ask for more CL on b/c I travel a lot and need a bigger CL. Cap 1 said if I outline that/keep using my cc a lot, I should be @ 4 digit CL in no time...and the 'form' won't require a hard pull. Needless to say, cap 1's getting some loving from me.First Premier, you do your job in letting people rebuild, but seriously, NO CLIs after 18 mos? Sad and kind of LOL @ the same time. Oh well, @ least I know I can fire you and their will be NO love lost...AND my cap 1 CLI today has already made up the CL I'll lose when I drop cc #2 LOL Link to comment Share on other sites More sharing options...
jestor151 Posted July 2, 2008 Report Share Posted July 2, 2008 Congrats! From what I've read, It's been a week of successes for a lot of folks, myself included. I know it goes without saying, but I'll say it anyway. Make sure you stay on Cap 1's good side. I'm sure it won't be a problem, but there are threads upon threads on this board about what happens when that relationship goes sour. Congrats again. Keep it up and soon you'll be able to fire Cap1 because they just aren't catering to you the way you think they should Link to comment Share on other sites More sharing options...
creditreformer Posted July 3, 2008 Author Report Share Posted July 3, 2008 Congrats! From what I've read, It's been a week of successes for a lot of folks, myself included. I know it goes without saying, but I'll say it anyway. Make sure you stay on Cap 1's good side. I'm sure it won't be a problem, but there are threads upon threads on this board about what happens when that relationship goes sour. Congrats again. Keep it up and soon you'll be able to fire Cap1 because they just aren't catering to you the way you think they should Yes, I know to treat cap 1 right. Burned them 2x in the past- it was not a pretty picture to say the least. But I’m MUCH wiser w/credit now. In fact, I am a little ocd and pay 1-2 wks early, multiple pays/mo., pif, etc. Link to comment Share on other sites More sharing options...
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