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Established Contributor
Posts: 1,039
Registered: ‎02-27-2012
0

BCE CLI 3x!

My gf opened her BCE and Zync about 3 months ago. Prior to this, she had 1.5 years of credit history, with 1 late early on due to her forgetting to pay her bill. When she applied, she was in 710s TU FICO. She applied for Zync then BCE the same day. Both are instant approvals. Zync with NPSL and BCE with $2000 starting cl.

 

So I called in for her late last night to see if we can get a CLI. I know people say you can get 3x CLI at 61/62 days but she wasn't in a hurry so weren't counting the days.Through the automated system, I requested $6000 total limit, and entered her income as $22,000(didn't want to risk AA on FR) and after 30 seconds(felt longer) it said you're approved for total CL of $6000!

 

We couldn't believe it, especially me. She basically takes my advice so she's not well versed on the ins and outs of credit. We were sure her income would be a limiting factor but it wasn't the case!

 

Anyways, just wanted to post info for anyone that could use it.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BCE CLI 3x!

Congrats! Is she gonna go for another cli after 6 months again? Lol
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)
Frequent Contributor
Posts: 311
Registered: ‎07-18-2011
0

Re: BCE CLI 3x!

Wow. That's a NICE iincrease and I'm sure its well deserved. BIG CONGRATS.
Established Contributor
Posts: 1,039
Registered: ‎02-27-2012
0

Re: BCE CLI 3x!


jsickz32 wrote:
Congrats! Is she gonna go for another cli after 6 months again? Lol

Maybe...but I am steering her toward diversifying her portfolio first before another CLI for BCE. $6000 CLI is mroe than any of us need.

 

Whats sad is that I've been working on my credit for way longer than her, but she already has surpassed my highest CL. I have previous mistakes reporting on my report from 3+ years ago.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: BCE CLI 3x!

That's great news. I think most of the 61 day CLI's are instant but the 6 months ones are a bit tougher because they are higher.




Contributor
Posts: 228
Registered: ‎07-30-2011
0

Re: BCE CLI 3x!

Awesome!! Congrats!!

Garden Mode... kind of... sort of (•‿•)
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: BCE CLI 3x!

Congrats.... but  I have a question for my 3xcli since I just got the Amex BCE.

 

What is her TOTAL avail. cred. ? as compared to income... so like.... does she have more than $22k in open lines? If she didn't have equal to or more than that in credit, that may be why they extended her the cli.

 

I'm just curious... I'm getting to the point where my total avail credit is almost to my total income... and when I go for the 3xcli request, I don't want them to deny me because I have too much avail cred relative to my income LOL

 

 

sorry if that's a personal question, I'm just curious.... :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 1,039
Registered: ‎02-27-2012
0

Re: BCE CLI 3x!

I think she has around $7800 in available CL. I know a long of high achievers have available credit similar to their income. The argument is that they have much more experience in credit. She only has 2 years.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: BCE CLI 3x!

Ohhh okay.... So I bet I can still get the 3xcli at 61 or 62 days :-)

I have about 3 years aaoa... Prob more like 2.5 after the new Amex/Discover hit lol :-(

Again, congrats to her :-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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