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freedom cli at 6th months

Valued Contributor

freedom cli at 6th months

Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 1 of 26
25 REPLIES
Frequent Contributor

Re: freedom cli at 6th months

I just received an auto CLI for $300 the other day, it was my 6th month with them, so it has happened, I have run quite a bit of money through it and keep a small balance of about $100 month to month, since I have )% apr right now doesn't hurt to float that amount.  Just keep an eye on your account and one may show up.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 2 of 26
Valued Contributor

Re: freedom cli at 6th months

I got a auto cli of 500 about 2 months ago so i dont think ill get another one. My limit at the moment is 1k, my lowest cl of all my cards. I wanna ask for at least 3k and if not i might closed this card.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 26
Valued Contributor

Re: freedom cli at 6th months


jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

I'm curious as well, but not nearly at six months yet. Got it in Sept '12, so it will be in March '13. Starting 3.7k CL, I hope it auto to atleast 4.5k+

 

I'm using it a lot, and PIF before statement cut.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 4 of 26
Highlighted
Frequent Contributor

Re: freedom cli at 6th months

I received an auto increase of $500 sometime over the past few days. I opened my account in May.


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 5 of 26
Valued Contributor

Re: freedom cli at 6th months

Im looking for someone who asked for a cli at six months and got it. I wanna ask for at least 5k
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 26
Regular Contributor

Re: freedom cli at 6th months


jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

Raising your score 28 points by reducing your util 2% is not going to happen.  What is the highest limit you have on another card?   You stated you want to hit $5k and $3k......, so we need more info.



Message 7 of 26
Contributor

Re: freedom cli at 6th months

November was my 1 year mark and I haven't received any cli so far, not even at 6 months. Normally I would be mad but chase recently approved me for their csp at $8,000 so I'm content for now. 

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Message 8 of 26
Valued Contributor

Re: freedom cli at 6th months


Tryon2improve wrote:

jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

Raising your score 28 points by reducing your util 2% is not going to happen.  What is the highest limit you have on another card?   You stated you want to hit $5k and $3k......, so we need more info.


 i have two cards with 10k, 3 cards with 5k and the rest in the 2k/2.5k.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 9 of 26
Regular Contributor

Re: freedom cli at 6th months

Over 15 cards with AA0A at 1year.  That would be tough for Chase in my opinion, but seeing you have some others with high limits you could very well get the increase you are looking for.  I say it is 50/50.



Message 10 of 26