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CLI spree success (and question)

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smkkms78
Valued Member

CLI spree success (and question)

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

 

 

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 1 of 17
16 REPLIES 16
dodgerslv
Valued Contributor

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 heals of these CLI's and am ready to go for a good card with any luck. Smiley Happy

 

 


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.

gardening since 5/21/2016
Message 2 of 17
gdale6
Moderator Emeritus

Re: CLI spree success (and question)

Nice CLI run Smiley Happy

 

As soon as these all update with the CRAs I would go for Discover It & Chase Freedom

Message 3 of 17
CreditMagic7
Mega Contributor

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 heals of these CLI's and am ready to go for a good card with any luck. Smiley Happy

 

 


Smiley Very Happy I LUV THESE! Smiley Very Happy

Really Productive CLI sweep!!!! across the board on those!

 

Don't feel alone on that RedCard. I called them consistently over the stretch of having that gutter dweller card of theirs, way over a year so far with (some) useage and PIF. They don't budge on customer initiated CLI but they softed my reports a couple months ago. Result? Nada. nothing, stuck at $500 Limit, probably indefinitely since they were breached. Lucky i didn't get victimized like so many others have.

Problem with them is that some RedCard holders have had success getting better limits after closing then reapplying again but why have to take another HP?

 

Congrats! again on your CLI's! Nice!

Message 4 of 17
Alaskagurl
New Contributor

Re: CLI spree success (and question)

Congrats. Treat BOA well and you'll be rewarded. I have the Alaskan airlines card it started at $5000.00 a year ago and its now grown to $20,000. 

Message 5 of 17
MissMoni223
Senior Contributor

Re: CLI spree success (and question)

CONGRATS on your CLI's!!! Smiley Happy

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 6 of 17
DrZoidberg
Established Contributor

Re: CLI spree success (and question)


@Alaskagurl wrote:

Congrats. Treat BOA well and you'll be rewarded. I have the Alaskan airlines card it started at $5000.00 a year ago and its now grown to $20,000. 


This is so true. It's like BoA took notes from credit unions. They have been so giving on CLIs and apprvals lately. I have $20k between 2 BoA cards, a year ago those limits were only $3700 total. ($1200 for one and $2.5k for my newest one that isn't a year old)

Message 7 of 17
alvon123
Super Contributor

Re: CLI spree success (and question)

congrats


Message 8 of 17
-Wade-
Valued Contributor

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 your success Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 9 of 17
Dw4250
Valued Contributor

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

 

 



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.

 

 

Message 10 of 17
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