Huge CLI on my JC Penny!!

SunriseEarth · ‎11-14-2013

@awdsmama wrote:
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.

Very nice CLIs! Congrats!

JCP has been the best of my cards so far on CLIs. I started last November at $250. In June, the LUV button took me to $750. And last month, Credit Solutions got me to $1100. I'm always glad to hear others having good experiences with JCP...they've been great for me!

SunriseEarth · ‎11-14-2013

@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.

I was low 600s when they gave me $250 CL. Your scores should get you a nice CL. If you don't like the initial CL, call Credit Solutions.

BackInTheSaddleAgain · ‎11-14-2013

Thanks Sunrise. I don't know exactly what "nice" means, but hopefully it's at least $1,000. Otherwise I would rather just use my Visa/MC and not deal with it.

Current Score: EX: 718, EQ: 715, TU: 720
Goal Score: EX: 750, EQ: 750, TU: 750
Take the myFICO Fitness Challenge

alvon123 · ‎11-15-2013

great increase!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

SunriseEarth · ‎11-15-2013

@BackInTheSaddleAgain wrote:
Thanks Sunrise. I don't know exactly what "nice" means, but hopefully it's at least $1,000. Otherwise I would rather just use my Visa/MC and not deal with it.

I would expect you'd get at least that kind of CL. If you don't like the initial CL, you can call Credit Solutions and requrest a higher CL right off the bat. Many people on here have successfully recon'd initial CLs on GE backed cards.

kroberts67 · ‎11-15-2013

If you get a Penneys card, use it right away. I didnt for months and the 4 month CLI clock did NOT start ticking until i used it. I started with a 150 line so I SD it, never had any CLI's because they had no history with me. I used it, PIF and boom, 4 mos later got +500.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

MsLadyRover · ‎11-15-2013

Congrats OP!!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge

yudeology101 · ‎11-15-2013

Awesome increase, congrats!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)