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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

CLI - Lowes!!!

Just logged in to check on DH's Lowe's card (I have his permission to manage the account for him, since I take care of paying all the household bills). He's rebuilding along with me, applied and was approved for a Lowe's card back in April, with a starting limit of $300. It just doubled to $600!!! I read that GEMB is really good about giving CLIs every few months, so I'm thrilled to see that this is proving true for us, as well. Between this and my JCP card, that's two CLIs in our family this week. :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
RockinRay
Posts: 1,944
Registered: ‎08-13-2007
0

Re: CLI - Lowes!!!

That is excellent! :smileyhappy:

 

Congrats!

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007
0

Re: CLI - Lowes!!!

Congrats on the CLI.  You should be able to get regular increases every 4-6 months.  I maxed out at 10K last year.

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18K :
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Established Contributor
emptypockets
Posts: 973
Registered: ‎02-03-2009
0

Re: CLI - Lowes!!!

I just got a great CLI in the past week or so too... went from 5k to 8.5k! The card started in 2008 at $800.00.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (8/7/2014): 816; EX (6/14): 775
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: CLI - Lowes!!!


guydiver wrote:

Congrats on the CLI.  You should be able to get regular increases every 4-6 months.  I maxed out at 10K last year.


 

That's exactly what I was hoping. We'd like to do a few home improvements next year, such as recarpeting. No particular time of the year, just when we feel ready. I thought that if we opened an account this spring, then we'd have time to grow the credit line.  That way, we can save up the cash to PIF and take advantage of the 5% cash back at the register, or at the very least have 0% financing as an option if we would need to go that route. Either way, we're planning ahead so that we have good options.

 

So, I'm thrilled to see the first increase. To use the gardening metaphor, it's as if we planted a seed last April, and I'm feeling the excitment of seeing the first shoot of green poke through the soil. Now we'll continue to tend to it and watch it grow. This is the fun part of credit gardening! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Frequent Contributor
OnTheRebound
Posts: 426
Registered: ‎08-05-2009
0

Re: CLI - Lowes!!!

My wife's 3 year old Lowes card went from 2K to 4K to 5K to 10K in less than 2 years. She also maxed out at 10K last year. 

Mine- Citi Diamond Preferred WMC $12K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's, I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K

"Four out of five voices in my head told me to "go for it". I went for it."
Frequent Contributor
rbh
Posts: 356
Registered: ‎06-25-2009
0

Re: CLI - Lowes!!!


OnTheRebound wrote:

My wife's 3 year old Lowes card went from 2K to 4K to 5K to 10K in less than 2 years. She also maxed out at 10K last year


Is 10k the max?

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Frequent Contributor
OnTheRebound
Posts: 426
Registered: ‎08-05-2009
0

Re: CLI - Lowes!!!


rbh wrote:

OnTheRebound wrote:

My wife's 3 year old Lowes card went from 2K to 4K to 5K to 10K in less than 2 years. She also maxed out at 10K last year


Is 10k the max?


Yes. According to the rejection letter, $10K is the maximum their policy allows.

Mine- Citi Diamond Preferred WMC $12K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's, I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K

"Four out of five voices in my head told me to "go for it". I went for it."
Frequent Contributor
rbh
Posts: 356
Registered: ‎06-25-2009
0

Re: CLI - Lowes!!!


OnTheRebound wrote:

rbh wrote:

OnTheRebound wrote:

My wife's 3 year old Lowes card went from 2K to 4K to 5K to 10K in less than 2 years. She also maxed out at 10K last year


Is 10k the max?


Yes. According to the rejection letter, $10K is the maximum their policy allows.


That's good to know.  Guess I can leave Lowes alone now...

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007
0

Re: CLI - Lowes!!!


rbh wrote:

OnTheRebound wrote:

My wife's 3 year old Lowes card went from 2K to 4K to 5K to 10K in less than 2 years. She also maxed out at 10K last year


Is 10k the max?


I got a letter that didn't say anything about 10K being the maximum, but something to the tune of "We will review your account periodically for an increase in your credit line", or something like that.

 

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18K :
Take the FICO Fitness Challenge





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