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Thank you Old Navy!

Valued Member

Thank you Old Navy!

Today I logged on to schedual my credit card payments for the coming month and when logging on to pay my Old Navy store card the intro sceen said I was preapproved to upgrade to a new Old Navy Visa Card. So I took a chance, clicked to boxes that said yes, and was upgraded with a limit of $2000! Very excited, esp after just getting a new Target card with only a $200 limit. The new Visa card is my highest limit yet. There is one downside, my current Old Navy account will be closed, so it wont help out my account age (something really hurting me right now), but hey, I'll take it.

Auto Loan (2/11, $4,400), Statefarm VISA (3/11 $500CL), Amazon (3/11, $700CL), ChevronTexaco (3/11, $1600CL), Macy's (4/11), Credit Union VISA (5/11, $500CL), Walmart (5/11, $1300CL), CapitalOne (6/11, $500CL) Old Navy (6/11, $600CL) Paypal Smart Connect (6/11, $1300CL) Shell/Citi (7/11 $200CL) Orchard Platnium MC (7/11 $300CL) Gap (7/11 $350CL) Lowes (8/11 $900CL) JCPenny (9/11 $1500CL) BB Mastercard (3/12 $300) Target (4/12 $200)


Message 1 of 11
10 REPLIES
Valued Contributor

Re: Thank you Old Navy!

Congrats! What CL did they start you off with at Old Navy?

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 2 of 11
Valued Member

Re: Thank you Old Navy!

Thanks. Originally started with a $200. Bumped up to $600 back in September. GE has been pretty good to me with CLI until a few months ago. Now when I try to apply for one on any account, they tell me I have to call in, and it makes me feel like I did something wrong, so I haven't lol.

Auto Loan (2/11, $4,400), Statefarm VISA (3/11 $500CL), Amazon (3/11, $700CL), ChevronTexaco (3/11, $1600CL), Macy's (4/11), Credit Union VISA (5/11, $500CL), Walmart (5/11, $1300CL), CapitalOne (6/11, $500CL) Old Navy (6/11, $600CL) Paypal Smart Connect (6/11, $1300CL) Shell/Citi (7/11 $200CL) Orchard Platnium MC (7/11 $300CL) Gap (7/11 $350CL) Lowes (8/11 $900CL) JCPenny (9/11 $1500CL) BB Mastercard (3/12 $300) Target (4/12 $200)


Message 3 of 11
Valued Member

Re: Thank you Old Navy!

Congrats on the upgrade! It's all GE managed accounts that you have to call for a CLI now. You did nothing wrong lol.


Starting Score: 520
Current Score: 665
Goal Score: 700


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Message 4 of 11
Established Contributor

Re: Thank you Old Navy!

Congrats on the Old Navy Visa! You're going to love it. I got mine back in December and have been using it quite a bit. The Old Navy reward dollars for spending anywhere is a pretty nice perk. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 5 of 11
Frequent Contributor

Re: Thank you Old Navy!

congrats don't feel bad about target. they give alot of people that limit.

 


sharktooth532 wrote:

Today I logged on to schedual my credit card payments for the coming month and when logging on to pay my Old Navy store card the intro sceen said I was preapproved to upgrade to a new Old Navy Visa Card. So I took a chance, clicked to boxes that said yes, and was upgraded with a limit of $2000! Very excited, esp after just getting a new Target card with only a $200 limit. The new Visa card is my highest limit yet. There is one downside, my current Old Navy account will be closed, so it wont help out my account age (something really hurting me right now), but hey, I'll take it.




Message 6 of 11
Moderator Emeritus

Re: Thank you Old Navy!


sharktooth532 wrote:

Today I logged on to schedual my credit card payments for the coming month and when logging on to pay my Old Navy store card the intro sceen said I was preapproved to upgrade to a new Old Navy Visa Card. So I took a chance, clicked to boxes that said yes, and was upgraded with a limit of $2000! Very excited, esp after just getting a new Target card with only a $200 limit. The new Visa card is my highest limit yet. There is one downside, my current Old Navy account will be closed, so it wont help out my account age (something really hurting me right now), but hey, I'll take it.


Congrats!  That's a nice limit!  Way to go!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 7 of 11
Frequent Contributor

Re: Thank you Old Navy!

Nice job. Congrats !!!!

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 8 of 11
Mega Contributor

Re: Thank you Old Navy!

CONGRATS on the upgrade!!!

 

I cant wait for an offer for me!




EQ FICO 548 3/3/16
Message 9 of 11
Valued Contributor

Re: Thank you Old Navy!


sharktooth532 wrote:

Thanks. Originally started with a $200. Bumped up to $600 back in September. GE has been pretty good to me with CLI until a few months ago. Now when I try to apply for one on any account, they tell me I have to call in, and it makes me feel like I did something wrong, so I haven't lol.



Not only is it all GE cards now like the previous poster mentioned, but it is an automated system. They ask you what CL you need to make the purchase you want, and then they either approve it or counter offer you. You need to accept the increse at that point before it becomes permanent.  


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 10 of 11