01-02-2013 06:49 PM
Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)
Thanks! I actually got into PSECU through a convoluted process. My wife and I both live in PA and she is a graduate student at Clarion University, a PA state run university. Because of this, she was eligible to join. She didn't have the credit to get anything with them though, so she just opened a savings account with the minimum $5 in it.
However, her having a savings account allowed me to become a member and get my own account. They gave me a small starting limit on my combo, but I am confident they will give me a CLI when I eventually ask. Even better, they also approved me for an autoloan at 2.49% which was great since I refinanced the new car we bought a couple months prior with about an 18% interest rate! I am definitely fortunate to have been able to get PSECU and love getting my monthly EX score.
01-02-2013 06:51 PM
Lucky duck! I had to practically twist their arm just to give me a $500 CLI.
Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant
I'm happy for you though. At least someone got some love
My best suggestion is to just keep using it. I use my Freedom card for almost every purchase I make. I would run through my limit and pay in full at least twice a month and the credit analyst did mention that. Hopefully doubling from $500 to $1000 will help you put more on it regularly, but if you keep at it, I think you will get higher limits with Chase eventually. They seem much less stingent than the likes of Capital One at least.
01-03-2013 07:43 AM
01-03-2013 07:45 AM
01-03-2013 07:55 AM
01-03-2013 08:53 AM
Chase auto cli my card from 500-1000 after 5 months of use. i used it to max almost everymonth and pif and used it again.
only once did they actually report a balance.
i plan on asking for a cli sometime after the card is over a year.
since asking is a hard pull.
|Current: Discover Fico 689 8/14 Walmart Fico 697 8/14|
Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
01-03-2013 08:54 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO