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Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

Huge CLI on my JC Penny!!

Love love loving my JC Penny card!

 

I was approved with a $500 limit on 2/19/13

 

In June I went for  CLI online and it went up to $1,000 and I was pleased with that!

 

Decided to give it another try today for a CLI  online and ....... now at $3,000!!! 

 

I have PIF after each statement cuts, but never use even close to my balance.  Just happy to see creditors FINALLY view me as credit-worthy again. 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
lg8302ch
Posts: 2,469
Registered: ‎11-13-2012

Re: Huge CLI on my JC Penny!!

Congrats! ...btw also a nice limit on your Discover :smileyhappy:
FICO® EQ 784 (as of today) - TU 777 (07/03) * Fako EX 799 (07/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Bronze Spade Garden Club member *
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

Re: Huge CLI on my JC Penny!!


lg8302ch wrote:
Congrats! ...btw also a nice limit on your Discover :smileyhappy:


Thank you!  Discover CLI'd me from $4,000 to $5,200 in August at my 6month mark.  Hopefully in Feburary they'll be inclined to bump me again!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
lg8302ch
Posts: 2,469
Registered: ‎11-13-2012

Re: Huge CLI on my JC Penny!!

Cool...good luck!
FICO® EQ 784 (as of today) - TU 777 (07/03) * Fako EX 799 (07/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Bronze Spade Garden Club member *
Mega Contributor
coldnmn
Posts: 10,873
Registered: ‎08-08-2011

Re: Huge CLI on my JC Penny!!

Congrats! Thanks for sharing. 

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank $10,000 / Sam's Mastercard $8000
/ Walmart Discover $8000 / Discover IT $5000 / Care Credit $5000
PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 10/25/13 /
Regular Contributor
BackInTheSaddleAgain
Posts: 125
Registered: ‎02-08-2013

Re: Huge CLI on my JC Penny!!

Feel the love. Nice eh?

 

Say, if you don't mind me asking, what were your FICO scores when you were first approved for the card? I just received a "pre-qualified" invitation from JC Penny and was thinking of applying myself. However, if they are going to give me a low $500 limit I would propably rather not.


Starting Score: EQ: 659, TU: 694
Current Score: EQ: 690, TU: 703
Goal Score: EQ: 720, TU: 740

Take the myFICO Fitness Challenge
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

Re: Huge CLI on my JC Penny!!

[ Edited ]

BackInTheSaddleAgain wrote:

Feel the love. Nice eh?

 

Say, if you don't mind me asking, what were your FICO scores when you were first approved for the card? I just received a "pre-qualified" invitation from JC Penny and was thinking of applying myself. However, if they are going to give me a low $500 limit I would propably rather not.



Sure, my EQ FIco was 703  and TU was 680

 

I opened JCP, Discover and a CU Visa all within the same week and those were my only inquiries w/in 12mos.  I will say that my EQ dropped 40pts and TU 22 after the new TLs posted to my reports - and those were the only changes that had been made.

 

And I understand not wanting the low limit - but keep in mind my limit has grown CONSIDERABLY in 8 short months so it's not like you're stuck at $500 forever ;-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Regular Contributor
BackInTheSaddleAgain
Posts: 125
Registered: ‎02-08-2013

Re: Huge CLI on my JC Penny!!

Thanks. Did they pull TU or EQ? I believe JCP is GEMB, so wouldn't they have pulled TU?


Starting Score: EQ: 659, TU: 694
Current Score: EQ: 690, TU: 703
Goal Score: EQ: 720, TU: 740

Take the myFICO Fitness Challenge
Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

Re: Huge CLI on my JC Penny!!

Yes, TU

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Moderator
09Lexie
Posts: 24,405
Registered: ‎09-13-2012

Re: Huge CLI on my JC Penny!!


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