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Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
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3 for 3 CLI Approvals!

Well...about 2 weeks ago I wrote about how I was approved for a credit limit increase on my Discover and Citi card. So I started thinking about my Capital One card being the only card that I wouldn't get an increase on. After the regular agent said I was denied due to capital one policy and so on. Nothing indicated an issue with my actual credit. I decided to contact the Executive Office gave them my info and they said they would look into it. Today, I checked my account and I was increased $500. So a little less than a year ago I had no revolving credit. Now I have doubled all of my initial limits of $500 Smiley Very Happy

 

Today, I now have:

 

Citi Forward - $1,000

Discover More - $1,000

Capital One Journey - $1,000

 

In addition, the only Hard Pull came from Discover. 

Established Contributor
Posts: 608
Registered: ‎10-11-2012
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Re: 3 for 3 CLI Approvals!

congratulations!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Re: 3 for 3 CLI Approvals!

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 667
Registered: ‎09-18-2011
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Re: 3 for 3 CLI Approvals!

wow, thats awesome, Congrats!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Regular Contributor
Posts: 178
Registered: ‎09-12-2012
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Re: 3 for 3 CLI Approvals!

Congrats! 

Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
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Re: 3 for 3 CLI Approvals!

Nice work!!!!

ccpics2.jpg
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: 3 for 3 CLI Approvals!

let garden them....Very nice...


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
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Re: 3 for 3 CLI Approvals!

Thanks guys! I'm just glad some of the hard work is finally paying off. My EQ Fico is 710 and now I'm still debating on when I should apply for the Chase Freedom. 

Valued Contributor
Posts: 1,666
Registered: ‎10-15-2011
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Re: 3 for 3 CLI Approvals!


CC365 wrote:

Well...about 2 weeks ago I wrote about how I was approved for a credit limit increase on my Discover and Citi card. So I started thinking about my Capital One card being the only card that I wouldn't get an increase on. After the regular agent said I was denied due to capital one policy and so on. Nothing indicated an issue with my actual credit. I decided to contact the Executive Office gave them my info and they said they would look into it. Today, I checked my account and I was increased $500. So a little less than a year ago I had no revolving credit. Now I have doubled all of my initial limits of $500 Smiley Very Happy

 

Today, I now have:

 

Citi Forward - $1,000

Discover More - $1,000

Capital One Journey - $1,000

 

In addition, the only Hard Pull came from Discover. 


How did you ever get the executive office phone number I looked for quite some time on the internet for it, since customer service reps kept telling me either no such place exists or they don't have the number.  I had to file a complaint with the BBB to get them to contact me.  Good luck on the increases though.  I recently ended up with 5; Walmart, Belks, Bealls, Marathon, and Capital One after the complaint and talking to their executive office.  For me they quadrupled my limit.

 

You should go into gardening mode for a while and simply work on limit increases without hard pulls.  Once you get over $2500 you should see a new jump in your score.  You should sign up for the Cardit Karma service to track your progress. 

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

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