bichonmom wrote:Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)
Thanks! I actually got into PSECU through a convoluted process. My wife and I both live in PA and she is a graduate student at Clarion University, a PA state run university. Because of this, she was eligible to join. She didn't have the credit to get anything with them though, so she just opened a savings account with the minimum $5 in it.
However, her having a savings account allowed me to become a member and get my own account. They gave me a small starting limit on my combo, but I am confident they will give me a CLI when I eventually ask. Even better, they also approved me for an autoloan at 2.49% which was great since I refinanced the new car we bought a couple months prior with about an 18% interest rate! I am definitely fortunate to have been able to get PSECU and love getting my monthly EX score.
Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
FloridaState12 wrote:Lucky duck! I had to practically twist their arm just to give me a $500 CLI.
Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant
I'm happy for you though. At least someone got some love
My best suggestion is to just keep using it. I use my Freedom card for almost every purchase I make. I would run through my limit and pay in full at least twice a month and the credit analyst did mention that. Hopefully doubling from $500 to $1000 will help you put more on it regularly, but if you keep at it, I think you will get higher limits with Chase eventually. They seem much less stingent than the likes of Capital One at least.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
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