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CLI spree success (and question)

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CreditMagic7
Mega Contributor

Re: CLI spree success (and question)


 

 

 



IMHO Target Red Card is one of the biggest waste of wallet space out there.  The benefits are meh (5% off; free shipping; extra time to return items).  And with your scores, a $500 CL is basically useless.

 

Think about apping for the Sallie Mae card (5% back on groceries/gas up to $250/month; 1% after that + 5% back $750/month at Amazon and other bookstores).   They count Target/Walmart as "groceries", so you're basically get the benefit of the Red Card up to $250, and you have a fully functioning card with all the other benefits.

 

 


Smiley Very Happy

 

Without a doubt!

Message 11 of 17
smkkms78
Valued Member

Re: CLI spree success (and question)

Thanks everyone for the Congrats and advice. Smiley Happy

 

I think after my CLI's report next month, I am going to app for the Discover It & Sallie Mae as suggested. I will update any approvals. In the past I have been turned down by CapOne & Citi so many times, I really am not interested in them, although they seem like the are staples of a good score.  

Starting Score: 671/718/755 (2/1/11)
Drop after applying for mortgage: 630/642/670 (3/31/11)
Jan. 2014 Score: ???/685/712 (1/24/14)
Working Score: EXP ???/TU 743/EQ 771 (4/4/14) (4/21/14)
Current Score: TU 777 (8/24/2017)
Goal Score: 800

Current Score (March 2019): EXP 820 /TU 820/ EQ 844
Goal Score: 850... is it even possible?!
Message 12 of 17
coldnmn
Mega Contributor

Re: CLI spree success (and question)

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 13 of 17
smkkms78
Valued Member

Re: CLI spree success (and question)


@dodgerslv wrote:

 


congrats on the GE luv!!!! and in regards to the BofA 7-10 letter doesnt mean a denial. Keep checking your account every hour or so. It has happened many times with my request that i would get the same pending message and then a few hours later the new limit would be updated. You can also call the analyst right away and have them manually give you a decision. Good luck and keep us posted.



Good news! You were right! I logged in today and saw they gave me the $2500 limit I asked for! Woohoo! Kinda wish I'd asked for more now. Smiley Wink

Starting Score: 671/718/755 (2/1/11)
Drop after applying for mortgage: 630/642/670 (3/31/11)
Jan. 2014 Score: ???/685/712 (1/24/14)
Working Score: EXP ???/TU 743/EQ 771 (4/4/14) (4/21/14)
Current Score: TU 777 (8/24/2017)
Goal Score: 800

Current Score (March 2019): EXP 820 /TU 820/ EQ 844
Goal Score: 850... is it even possible?!
Message 14 of 17
BigBS
Senior Contributor

Re: CLI spree success (and question)

Congrats on all the success!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 15 of 17
SunriseEarth
Moderator Emeritus

Re: CLI spree success (and question)


@smkkms78 wrote:

I did automatic CLI requests on all my GE accounts today and was approved for all! I am super excited!

 

Lowes - was $1500, now $5500... nice jump!

JCP       was $200, now $1700

Walmart was $2500, now $3200

Amazon was $1700, now $2300

Chevron was $900, now $1500

 

I called Target and they gave me some crap about having to formally submit, blah, blah, blah. I love shopping at Target but with only a $500CL, this account shoots my UTI way up when I use it.

 

I also did my BofA formally secured from $500 to now $1000. Good, but I was a bit disappointed, I tried for $2500 and got the 7-10 day letter notice. Ugh.

 

These are all store cards and the BofA is my only "real" CC. Any advice on what real credit card I should try for? I am feeling pretty good on the heels of these CLI's and am ready to go for a good card with any luck. Smiley Happy

 

 


Congrats on all the GE LUV!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 16 of 17
Anonymous
Not applicable

Re: CLI spree success (and question)

Congrats!
Message 17 of 17
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