cancel
Showing results for 
Search instead for 
Did you mean: 

Macy's CLI in 9 days!

tag
klmar3874
Member

Macy's CLI in 9 days!

Well it's been a little over a week since I had my app spree and joined the garden. I began last week by celebrating my 40th birthday (3/8) with a shopping spree. I knew Macy's & Bloomingdale's might be a problem (temptation) when I applied, but I figured I deserved to treat myself. When I opened the card online, I got the ever popular $100 limit. I called for recon of course & they bumped it to $300. Small start, but hey I am rebuilding. The following day I received an email to call in to verify ID & they bumped my limit to $600. Still small, but hey...So I bought a few things for $345. A couple of days later I noticed a statement was already posted, so I PIF. Today I shopped online and my cart totalled $350. I didn't want to use so much of my limit, so I decided to take a chance & ask for a CLI through chat. My Experian score had jumped  22 pts since last month so I thought I'd be good for something. After answering some questions about income & housing pmt etc. I asked to double my limit (afraid to be greedy so soon), and it was approved! So now I can be certain that my utility will stay in my goal area next month. I've read on here a few times "ask & you will receive". I just never thought it could happen so soon. My limit should be nice when I leave the garden. Thanks to all who post their experiences, giving people like me the courage & guidance to rebuild the right way!

Message 1 of 14
13 REPLIES 13
kroberts67
Established Contributor

Re: Macy's CLI in 9 days!

I take it you need to update your score in your siggy!  Smiley Wink  Congrats, nice job!

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 2 of 14
klmar3874
Member

Re: Macy's CLI in 9 days!


@kroberts67 wrote:

I take it you need to update your score in your siggy!  Smiley Wink  Congrats, nice job!


Lol... Thanks & yeah that was an average of all 3. Waiting til 3/23 when I'll have them from my monitoring service. I got the new Experian from Credit Sesame paid service. They update daily now. I expect good pts from Transunion as well. Not too sure about EQ. I decreased my utility majorly in the last few weeks so my fingers are crossed.

Message 3 of 14
coldnmn
Mega Contributor

Re: Macy's CLI in 9 days!

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 14
alvon123
Super Contributor

Re: Macy's CLI in 9 days!

congrats


Message 5 of 14
Anonymous
Not applicable

Re: Macy's CLI in 9 days!

Amazing! Next you will be upgrading.
Message 6 of 14
gdale6
Moderator Emeritus

Re: Macy's CLI in 9 days!

Grats Smiley Happy

Message 7 of 14
notfancy
Valued Contributor

Re: Macy's CLI in 9 days!

Congratulations and thank you for this post! It was actually seeing your post that made me call Macy's to pester them for my own CLI.

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 8 of 14
-Wade-
Valued Contributor

Re: Macy's CLI in 9 days!


@klmar3874 wrote:

Well it's been a little over a week since I had my app spree and joined the garden. I began last week by celebrating my 40th birthday (3/8) with a shopping spree. I knew Macy's & Bloomingdale's might be a problem (temptation) when I applied, but I figured I deserved to treat myself. When I opened the card online, I got the ever popular $100 limit. I called for recon of course & they bumped it to $300. Small start, but hey I am rebuilding. The following day I received an email to call in to verify ID & they bumped my limit to $600. Still small, but hey...So I bought a few things for $345. A couple of days later I noticed a statement was already posted, so I PIF. Today I shopped online and my cart totalled $350. I didn't want to use so much of my limit, so I decided to take a chance & ask for a CLI through chat. My Experian score had jumped  22 pts since last month so I thought I'd be good for something. After answering some questions about income & housing pmt etc. I asked to double my limit (afraid to be greedy so soon), and it was approved! So now I can be certain that my utility will stay in my goal area next month. I've read on here a few times "ask & you will receive". I just never thought it could happen so soon. My limit should be nice when I leave the garden. Thanks to all who post their experiences, giving people like me the courage & guidance to rebuild the right way!


Congrats on your CLI 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 14
anca21bi
Frequent Contributor

Re: Macy's CLI in 9 days!

This makes me want to give it a go too on a CLI for Macys. Is it a SP?

Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.