CIBC CREDIT CARD LIMIT 无敌INCREASE法

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#1. You don't need to wait 3 months to get the Aerogold Visa. If you have a $5,000 credit limit with CIBC Visa, call them and ask them to change it, they will mail the Aerogold card to you. There is a $120 per year annual fee.

#2. To get a credit limit increase you don't need to speak to a person. If you have ANY type of CIBC VISA card, here is what you do
a) call 1-800-465-4653 and log into your visa account normally(enter the card number, birthday, CV code, etc)
b) push the button when it says "credit limit increase"
c) it will ask you how much of an increase you want. enter $20,000. do not enter anything less. it won't hurt to ask for more just to see what happens.
d) it will ask you how much is your annual income. enter $150,000. do not enter anything less.
e) it will then instantly give you a decision and increase. depending on how clean you are, you will get between $2,000 to $10,000(possibly more). For the average joe who pays off his or her card every month, its likely you'll get about $4,000


It doesn't really matter if you had a late payment. What matters is , is your card in good standing, in other words, can you still charge stuff on it. if so, then it'll probably work.

The main point is, you DO NOT NEED TO SPEAK TO A HUMAN to get an increase with CIBC Visa. so there is no embarassment if the 'computer' rejects you


转贴
http://www.redflagdeals.com/forums/showthread.php?t=248861



刚刚试了一下一下升了我20000(AEROGOLD达到37,000),1分钟的时间,系统真是有漏洞啊!


主要就是看文章的C跟D~

 

[赤西瘾]

虽然金卡,白金卡无数多,CITI的,TD,CIBC,AMEX~不过一下升那么多全是自动的,还是第一次碰见!太多的话你也可以DECREASE LIMIT~




PS: 另外任何一个人以前没有AEROGOLD的,有其它CIBC的一般VISA用此法升到LIMIT达到5000上也可以电话打去CHANGE 到AEROGOLD,100%会给的!

 

[赤西瘾]

Don't bother with the 'idiot' advice a CSR at a bank will give you about not applying for too much. The average person at a bank well... although its a skilled job, its a very low paid job, and the average CSR that you are in contact with at a bank isnt trained nor isnt skilled in the art of "FICO" scoring.

But that WEBSITE above has people that know the ins and outs of FICO Credit Scores. Its a US website, but the basic concepts of FICO work the same in Canada


1. Pay your bills on time, at least the minimum payment. If you can't pay them all, NEVER try to pay half on all. Always at least make the ENTIRE minimum payment on something, otherwise they will ALL report you as paying late.

2. if you have a choice of making minimum payment on your Credit Card and minimum payment on your Cell Phone, Land Phone, Utilities, pay the credit card first. Only a Credit Card company will report you late immediately, anything else will report you only after it goes into collections, but before that happens, you'll get nasty letters.

3. Don't worry about applying for too much 'credit'. Unless if you know your history is very fresh(for example just turned 19) or you know you have some 'bad credit', applying for credit will hardly change your score.

4. Don't worry about having huge credit lines. Having huge credit lines is essential to get more huge credit lines, also having huge credit lines that are not charged too close to their limit makes you look better.

5. Never cancel a card you dont like for any reason except if there is an annual fee. that will damage your credit score, also never mind if it gets lost, so what, remember you are never liable for losing a credit card UNLESS you did something silly and wrote your Cash Advance Pin number on it, in which case, you are liable.

6. Generally, cards like Sears, PC Financial, CIBC, CITI, won't always verifiy employment.