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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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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
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Senior Contributor
Posts: 4,648
Registered: ‎11-13-2012
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Re: Huge CLI on my JC Penny!!

Congrats! ...btw also a nice limit on your Discover :smileyhappy:
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Last app 01/15/2015
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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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
Community Leader
Senior Contributor
Posts: 4,648
Registered: ‎11-13-2012
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Re: Huge CLI on my JC Penny!!

Cool...good luck!
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Last app 01/15/2015
Mega Contributor
Posts: 16,682
Registered: ‎08-08-2011
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Re: Huge CLI on my JC Penny!!

Congrats! Thanks for sharing. 

Regular Contributor
Posts: 208
Registered: ‎02-08-2013
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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.


Current Score: EX: 718, EQ: 715, TU: 720
Goal Score: EX: 750, EQ: 750, TU: 750

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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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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
Posts: 208
Registered: ‎02-08-2013
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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?


Current Score: EX: 718, EQ: 715, TU: 720
Goal Score: EX: 750, EQ: 750, TU: 750

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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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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
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Registered: ‎09-13-2012
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Re: Huge CLI on my JC Penny!!

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