Macys CLI in 4 months

MingleJill · ‎03-27-2014

Macys soft pulled my Equifax report a few days ago around my 4 month anniversary with them.
Started out with a $300 credit limit.

Used it twice- once PIF within a week and once returned an item within a week. Neither purchase was more than $120. Both times used in December for Christmas.

I was bumped from $300 to $1000. I asked for $2,000. (I'm thrilled with $1,000). They matched my second highest TL (Capital One), but my 10k NFCU card probably helps!

Credit when I got the macys card was 535 fako credit and fako is 579 now. I've removed a few baddies but have high utilization this month.

I was going to call them in April for a CLI, but when I saw the soft pull on Equifax I knew it was time!

It's my first CLI since starting this journey! Keeps me motivated!

(Not asking for congrats, but just wanted to get this out there for anyone else looking for a Macys CLI- maybe my background will help)

Starting Score Fakos Nov' 13: 570 EX, 567 EQ, 553 TU
Feb '14:: 647 FICO '08 Ex, 584 EQ fako, 614 TU (walmart)
Judgement vacated Jan '14. Working on the Repo and 6 more baddies!

**Had 1 $300 card in Nov '13. Now have $10k NFCU Visa! **

yudeology101 · ‎03-27-2014

WTG congrats

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

coldnmn · ‎03-27-2014

Congrats anyway! 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

gdale6 · ‎03-27-2014

Grats on your Macys CLI

nursepower · ‎03-27-2014

How do you know it was increased? I can never see my limit when I log on to the card site? Where is it hiding?

Booboo71 · ‎03-27-2014

Have to call or look at your statement for credit line

alvon123 · ‎03-27-2014

nice job!!!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

nursepower · ‎03-27-2014

Thanks Booboo. I got the idea from this post to try the chat for a CLI. She gave me $700. New limit $1500.

-Wade- · ‎03-27-2014

@MingleJill wrote:
Macys soft pulled my Equifax report a few days ago around my 4 month anniversary with them.
Started out with a $300 credit limit.
Used it twice- once PIF within a week and once returned an item within a week. Neither purchase was more than $120. Both times used in December for Christmas.

I was bumped from $300 to $1000. I asked for $2,000. (I'm thrilled with $1,000). They matched my second highest TL (Capital One), but my 10k NFCU card probably helps!

Credit when I got the macys card was 535 fako credit and fako is 579 now. I've removed a few baddies but have high utilization this month.

I was going to call them in April for a CLI, but when I saw the soft pull on Equifax I knew it was time!

It's my first CLI since starting this journey! Keeps me motivated!

(Not asking for congrats, but just wanted to get this out there for anyone else looking for a Macys CLI- maybe my background will help)

Congrats on your CLI

"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 ******

bossladymom · ‎03-27-2014

Macys recently bumped me to 1k as well. So much better that $300 lol Congrats!

Current score: 693 (Citibank) NFCU CashRewards $14,000/ BOA RC Visa $5,000/NavCheck $13,000/Home Depot $4,620/ AMEX Delta Gold $2,500/Citi $2,000/ Merrick Bank $1,200/ Macy's $1,200/Amazon $900/Capital One $450/Kohl's $700/RoomPlace $2,500/ Old Navy $200