Saks Fifth Avenue CL Increase!!!!!

Hey Everyone, I just got back from doing a little shopping at Saks, before I left the house I called the automated system to check available credit ect, after hearing all my information, the system ask to speak to a credit representative please stay on the phone, well guess what guy's, I did.....for some reason I felt I needed a credit line increase LOL =) the ladie said sure, can I verify your Social Security Number, I said sure I gave it to her and she said let me place you on hold it will be a few minutes...my HEART WAS POUNDING AND I WAS STARTING TO SWEAT COLD LOL, after like two minutes on hold she said, I manualy Increased your credit line since you had an account review a few months ago, I said great!! I'm so Happy Now Woooopiii. But after being so happy and hearing my new credit line increase, I totaly forgot to ask if it was a Hard Inq or a Soft account review. Does anyone know if they always pull soft inq, or hard when you ask for increases??

I do see on my Trans Union the past months they always pull AR every other month, I hope they did an AR for this increase.

They Increased it only by $ 800.00 more =) but hey that's good for me, it will hopfully help my ratios.

The balance on the account was ZIP ZERO and I only spent today $100.00.....maybe next week i'll go back, they have some great special! jejeje

 

Thanks GEORGE =)

 

Re: Re: Saks Fifth Avenue CL Increase!!!!!

I applied at the store in person at the register, it was instant approval, my initial credit line was $2,800.00.

Then Trans Union mixed up my dads credit files with mine and he has several bad accounts, so Saks thought that they where my accounts since they where on my CR, so they decided to lower my credit line, I finally fixed this problem last month and i'm climbing back up to that initial credit line. Saks has very professional Credit Representative when I called, they even give you their ext. number in case you have problems in the future or need to contact them directly....well for me they gave me their direct number, I ask how often do they review accounts and how often can one request Credit Line Increases, they said every SIX MONTHS.


Hope This Helps!!! =)

 

Re: Re: Re: Saks Fifth Avenue CL Increase!!!!!

Hey, when you call the automated system it give you everything except for available credit, you have to speak directly to a Credit Representative and ask what's your available credit.

Hope this helps! =)