My current credit line is: $7,600 July 8th, 2017.
My starting credit line was: $4,600 July 1st, 2016.
First CLI: January 1st, 2017. $4,600 --> $6,100 = $1,500 CLI.
Second CLI: July 8th, 2017. $6,100 --> $7,600 = $1,500 CLI.
CLI was soft pull.
Spent over $1,000 every month and paid in full before the statement cut.
This is my second CLI from Citi and it was another soft pull, I saw the wording that said no credit report would be obtained. I received my Citi DC on July 1st, 2016 and my first CLI on January 1st, 2017. It’s been over a year now with this card and I have used it to my advantage. I kind of forgot it had been 180 days since my last CLI even though Citi emailed me about happy anniversary and all. I decided to check my last MyFico Forums post and saw it had been time for my second CLI and I was instantly approved.
When I applied for my first credit card (Chase Freedom, $500 CL) over the phone on Dec 2014, I never thought all my CL's would get to be 5k or more. I never thought I would get a CLI that was 3 times higher than my first credit cards credit limit. I never thought I would be able to add family members as AU's and rise their credit scores and help them. Learning how to manage credit cards properly is surely a great thing to do. I will also always continue to thank the MyFico forums for really letting me see how it all works.
A Big Thank you to everyone that posts or reads.
The more you learn the better chance you'll be able to help yourself or someone else in the future.
It's been over 2 and half years since I obtained my first credit card and I've come so far in my understanding and milestones. It’s to the point I don’t really see any credit cards I want to app for anymore. If I do see one that I want in the future though, I will still have that nervous feeling but with way more confidence at the same time. I see patience and sticking to a game plan as the key. I wish you all the best in your own journeys, goals and milestones.
EQ Score: 784 | TU Score: 758 | EX Score: 760 | Goal Score: 800+
INQ = TU: 1 | EQ: 0 | EX: 4
Utilization: 0% usually or at most 1% - 3%.
Amex BCE (Approved: 11/2015): $24k ($6k SL) | Discover IT (Approved: 07/2015): $16k ($1k SL)
Citi DC WEMC (Approved: 07/2016): $14.5k ($4.6k SL) | Chase SR (Approved: 01/2017): $11k
Chase Freedom Unlimited (Approved: 07/2016): $7.5k | Chase Freedom (Approved: 12/2014): $5k ($500 SL)
Citi Simplicity (Aprroved: 07/2018): $4.5k | Total CL: $82.5k
I dont get any sp luv from my Dc but that alright, Ive moved on to others who will
. Great job on your journey
