Re: Macy's CLI!!!!......Still in Shock

NRB525 · ‎11-16-2014

Congratulations! Good story... a low limit is only a starter limit

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

aav · ‎11-16-2014

Congrats! I love Macy's kitchen dept. Macy's and I are not on speaking terms though because they declined my macys Amex cli. Lol

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900

TheGardner · ‎11-16-2014

Congrats!

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.

Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.

Cuppeerr · ‎11-16-2014

They did the same for me!! I applied for an acount 2 days ago and they gave me an innitla $300 limit, they told me to call them to verify I am who I am, asked me the basic secuirty questions and then tild me that my credit line was $600!! It's my second highest and this will come in handy for the holidays (:

Wells Fargo Visa $800 CL : 288/$800
Discover It $500 CL : $350/500
Fort Worth Community Credit Union $300 CL : 0/$300
Capital One Quicksilver $300 CL : 215.76/$300
Capital One Journey $300 CL : 0/$300
_________________________

Eq: FICO: 607
Ex: FICO: 631 Goal ----> 700's
Tu: FICO: 672

Anonymous · ‎11-16-2014

Congrats!

Anonymous · ‎11-16-2014

Congratulations. They started me at $600 also and the day after my third statement cut (which was really just over 2 months) I got on chat and told the guy I wanted to use the card more but the limit was too low and I was afraid of showing too much utilization. He came back after about 30 seconds and doubled it to $1200. Soft Pull from an Equifax account review by them about a week earlier that I had noticed when I pulled the report. Don't be afraid to ask after a while and keep the account growing!

Anonymous · ‎11-17-2014

Statement balance trick???

SunriseEarth · ‎11-17-2014

@Anonymous wrote:
Congratulations. They started me at $600 also and the day after my third statement cut (which was really just over 2 months) I got on chat and told the guy I wanted to use the card more but the limit was too low and I was afraid of showing too much utilization. He came back after about 30 seconds and doubled it to $1200. Soft Pull from an Equifax account review by them about a week earlier that I had noticed when I pulled the report. Don't be afraid to ask after a while and keep the account growing!

My experience was similar. In May, I was denied at the register, but I was able to recon the next day and was approved for a $600 store CL. Less than a month later, I was able to add a $2900 Special Events credit line for a mattress purchase. After three statements, I was able to increase the store line from $600 to $1200 through chat. Three statements after that, I was able to move to $2500 through chat. And a little over a week ago, I was approved for the AMEX upgrade, which is a $1500 line of credit I can use outside of Macy's. They will definitely grow with you!

OP, congrats on CLI!

Anonymous · ‎11-17-2014

@SunriseEarth wrote:
@Anonymous wrote:
Congratulations. They started me at $600 also and the day after my third statement cut (which was really just over 2 months) I got on chat and told the guy I wanted to use the card more but the limit was too low and I was afraid of showing too much utilization. He came back after about 30 seconds and doubled it to $1200. Soft Pull from an Equifax account review by them about a week earlier that I had noticed when I pulled the report. Don't be afraid to ask after a while and keep the account growing!
My experience was similar. In May, I was denied at the register, but I was able to recon the next day and was approved for a $600 store CL. Less than a month later, I was able to add a $2900 Special Events credit line for a mattress purchase. After three statements, I was able to increase the store line from $600 to $1200 through chat. Three statements after that, I was able to move to $2500 through chat. And a little over a week ago, I was approved for the AMEX upgrade, which is a $1500 line of credit I can use outside of Macy's. They will definitely grow with you!

OP, congrats on CLI!

That's great! I hope I'm able to keep mine going like that!

bxfinestcocoa · ‎11-17-2014

@Anonymous wrote:
@SunriseEarth wrote:
@Anonymous wrote:
Congratulations. They started me at $600 also and the day after my third statement cut (which was really just over 2 months) I got on chat and told the guy I wanted to use the card more but the limit was too low and I was afraid of showing too much utilization. He came back after about 30 seconds and doubled it to $1200. Soft Pull from an Equifax account review by them about a week earlier that I had noticed when I pulled the report. Don't be afraid to ask after a while and keep the account growing!
My experience was similar. In May, I was denied at the register, but I was able to recon the next day and was approved for a $600 store CL. Less than a month later, I was able to add a $2900 Special Events credit line for a mattress purchase. After three statements, I was able to increase the store line from $600 to $1200 through chat. Three statements after that, I was able to move to $2500 through chat. And a little over a week ago, I was approved for the AMEX upgrade, which is a $1500 line of credit I can use outside of Macy's. They will definitely grow with you!

OP, congrats on CLI!
That's great! I hope I'm able to keep mine going like that!

Oh My that is awesome that is what i am hoping to do as well upgrade eventually to an Amex :-)

Macy's CLI!!!!......Still in Shock

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