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.
BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250
EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
