Finally broke the $10k barrier

lithium78 · ‎05-15-2014

Since it had been a year since the last CLI on my BoA 123 Cash Rewards Visa, I decided to hit the luv button today and ask for a CLI. They increased my limit from $7k to $13k. This is my first ever credit card with a limit larger than $10k.

I look back on this journey I have taken over the past 8 years and I am so proud of how far I have come. I started out in a rented room in a bad part of town with horrible credit and credit cards like Credit One Bank. Now I own my own house in a nice, safe suburb and I have fantastic credit limits and rates on my credit cards. I owe a lot of my success to the lessons I learned from this forum. Thank you, everyone, from the bottom of my heart.

Those of you who are starting out on your rebuilding journey, don't give up hope. With hard work and patience, you can do it too.

Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800
Take the FICO Fitness Challenge

gdale6 · ‎05-15-2014

Grats to your success OP

ambivalent · ‎05-15-2014

Thank you for sharing your story. Congrats on the CLI and the successful journey you've been on!

Aiming for 700 across FICO 8 and $150K TCL

facutardeat · ‎05-15-2014

@lithium78 wrote:
Since it had been a year since the last CLI on my BoA 123 Cash Rewards Visa, I decided to hit the luv button today and ask for a CLI. They increased my limit from $7k to $13k. This is my first ever credit card with a limit larger than $10k.

I look back on this journey I have taken over the past 8 years and I am so proud of how far I have come. I started out in a rented room in a bad part of town with horrible credit and credit cards like Credit One Bank. Now I own my own house in a nice, safe suburb and I have fantastic credit limits and rates on my credit cards. I owe a lot of my success to the lessons I learned from this forum. Thank you, everyone, from the bottom of my heart.

Those of you who are starting out on your rebuilding journey, don't give up hope. With hard work and patience, you can do it too.

Great to hear a story like this

I'm new here and have already learned quite a bit.

Thanks for sharing and for the encouragement.

-Wade- · ‎05-15-2014

@lithium78 wrote:
Since it had been a year since the last CLI on my BoA 123 Cash Rewards Visa, I decided to hit the luv button today and ask for a CLI. They increased my limit from $7k to $13k. This is my first ever credit card with a limit larger than $10k.

I look back on this journey I have taken over the past 8 years and I am so proud of how far I have come. I started out in a rented room in a bad part of town with horrible credit and credit cards like Credit One Bank. Now I own my own house in a nice, safe suburb and I have fantastic credit limits and rates on my credit cards. I owe a lot of my success to the lessons I learned from this forum. Thank you, everyone, from the bottom of my heart.

Those of you who are starting out on your rebuilding journey, don't give up hope. With hard work and patience, you can do it too.

Very nice, Congrats

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Stanic413 · ‎05-15-2014

Awesome job! Congrats!

18k

10k

7.6k

10k

5k

5.6k

1.7k

2k
Federal CU PLOC: $5k
Scores, Dec. 2014- TU: 755 EX: 763 EQ: 757
Last App: 12/8/14. In the garden until Jan 2016, getting "mortgage" ready.

CardHunter · ‎05-15-2014

Very nice! Congrats!

DevotionToU · ‎05-15-2014

Congrats on breaking through the glass ceiling!

$18000 Discover IT / $6000 Chase Freedom / $5000 DCU Visa / $3900 Fifth Third / $2500 Capital One Quicksilver / $2000 AMEX Blue Cash Everyday / $500 Chase Slate

heyitsyeh · ‎05-15-2014

Congrats man...now the next step...

In my experience I've been having trouble getting any of my credit card limits increased further after reaching the 10k threshold

TU: 777 | EQ: 814 | EX: 764
Last INQ: 3/26/21
AAoA: 4y 7m
Lowest limit: Chase Freedom Visa - $13,000
Highest limit: Discover It - $56,500
Available credit: $200,600 (8 cards)

SunriseEarth · ‎05-15-2014

@lithium78 wrote:
Since it had been a year since the last CLI on my BoA 123 Cash Rewards Visa, I decided to hit the luv button today and ask for a CLI. They increased my limit from $7k to $13k. This is my first ever credit card with a limit larger than $10k.

I look back on this journey I have taken over the past 8 years and I am so proud of how far I have come. I started out in a rented room in a bad part of town with horrible credit and credit cards like Credit One Bank. Now I own my own house in a nice, safe suburb and I have fantastic credit limits and rates on my credit cards. I owe a lot of my success to the lessons I learned from this forum. Thank you, everyone, from the bottom of my heart.

Those of you who are starting out on your rebuilding journey, don't give up hope. With hard work and patience, you can do it too.

So great to hear about your success! Congrats!

And yes, joining the 5 digit CL club is a thrill! My Care Credit was my first post-BK CC to go over $10K. Can't want to have a major CC do that (all eyes are on my BCE to take me there in November!)