psychoinhell wrote:
tinuviel wrote:
cracksmeup wrote:I applied online, and when it said I would hear in 5-7 days, I just called and spoke to someone. APPROVED! $1000 CL, was a little disappointing, but this is only my 2nd card and much more than my $500 CL Capital One card. Tinuviel-how many months till your DH got his first CLI?
He got his first CLI at four months, and then another one four months after that. I was surprised, as I thought that this was pretty quick.
Were those auto CLIs or did he request them?
Those were auto. I logged into his account to check on balances (I manage for him with his explicit permission) and saw the increase; it was a nice surprise each time! 
The increases were in $350 increments, so he went from $1000 -> $1350 -> $1700. Not huge, I'll grant you, but definitely forward progress. Who know? Maybe later this year he'll be up over $2000?
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Starting Score: 600ish in 2007
psychoinhell wrote:Free love is always nice
Yes, I agree. It's also a matter of keeping things in perspective. Some folks on these forums get upset if they don't get a huge CL or a hefty increase. But, my DH and I are both in the rebuilding stage, so we look at things from the point of view of where we've been vs. where we are now.
Back in Feb of 2011, he didn't have a single open account in his name; he was an AU on an old FP card of mine -- 500 CL -- and I closed the card when they decided to add an AU fee on top of everything else. I had him app for a BBRZ MC since he does buy items from Best Buy from time to time, it was known to be a fairly easy approval and at least he could get something in rewards. He was approved for $300. He also got a Care Credit and, a couple of months later, a Lowe's.
When he got the offer in the mail for Discover, my initial reaction was that it was too good to be true given his limited history. But he decided to go for it and, much to our delight, he was approved for their alternative offer -- 3.9% introductory rate instead of 0% -- and a starting CL of $1000. This was now more than 3x the CL on his BBRZ MC, so he was quite pleased. And the cash back rewards have been wonderful! And now to see it growing... it really demonstrates good progress on his credit rebuild.
The point behind all of the above is that I think that it's important to look at the entire picture when deciding that a CLI of a particular size is good progress or not. I can tell you that we're both very happy and hope to continue on in a positive direction.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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