09-09-2012 06:26 PM
Approved for BCE on 7/5, reports to TU as opened 7/9. Called today and requested 3x CLI through the automated system, was approved for new $6,000 limit. My TU08 is 739 as of today. My reported utilization at my last Amex account review EX SP (August 13th) and promotional EQ SP (August 20th) was 71% on my Freedom ($3640/5000) and 0% on all other cards, for a combined 17% utilization. I do not see any new SPs so I am assuming they used the most recent one. The only other debt I have is deferred student loans (in school) and an auto loan that is over half paid off.
Were it not for the community here, I probably would have never even known to apply for this card, but I can see it is going to be instrumental in truly growing my credit profile. I just wanted to thank everyone for all of the advice and information given here. I will definitely be trying for the 3x CLI again in 6 months to get up to $18,000. Less than 3 months ago I had a combined CL of $8,050, and only a month before that, it was almost completely maxed out and I was making only minimum payments; By strategically using information from this site, I now have a combined CL of $24,850, and I haven't paid a cent in credit card interest or fees since May.
Again, thank you all so much for the continuous information and advice. It really has made a difference both for me and for many other people.
09-09-2012 06:37 PM
Congrats! Hoping to be approved for the BCP in the near future.
09-09-2012 07:01 PM
Fantastic and congrats! I have also really benefitted from the volume of info and good will I have found here as well.
09-09-2012 07:26 PM
That's awesome - congratulations!!
09-09-2012 09:06 PM
Great job Sawmp! May I ask
How much you ran through the card and if you made multiple payments in one cycle?
First cycle was a half cycle, put through and paid off $170 for a zero balance. Second cycle, put through $932 and slightly overpaid, ended with a negative balance. Had about $600 in posted/pending charges today when I called.
09-09-2012 09:12 PM
09-09-2012 10:22 PM
i wanna be another you
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.