Re: It was a hard INQ, but my first CLI!

nick125 · ‎10-31-2012

I called Alliant Credit Union and requested that they upgrade me to their Rewards card, but they require a $2k minimum credit line for that. I requested a $4k limit, and they countered with $2.5k, a nice increase from my old $500 limit.

I'm so excited!

Alliant CU (12/11, $12.5k); Chase Freedom (3/12, $3.3k); Discover IT (7/12, $30.5k); American Express Blue Cash Preferred (10/13; $26k); Capital One Venture (3/15; $24k)

Dustink · ‎10-31-2012

@nick125 wrote:
I called Alliant Credit Union and requested that they upgrade me to their Rewards card, but they require a $2k minimum credit line for that. I requested a $4k limit, and they countered with $2.5k, a nice increase from my old $500 limit.

I'm so excited!

Congrats

Too many INQs & low AAoA so I'm off to tend the Garden. Age:23

$17k $8.5K Closed $19k $6.5k $24.2k Closed $5k Closed $8.5k Closed @2.49%

wallyworld123 · ‎10-31-2012

Congrats! good for you!

Meltdownblitz · ‎10-31-2012

Congrats, thats a huge increase!! If you don't mind me asking, what kind of credit did you have when you were initally approved for the $500 CL? I'm trying to tell my gf to apply for this card but she doesn't think she will be approved.

Barclays Uber - 4% Restaurants, 2% Online Purchases/Everyday Card || PenFed Cash - 5% Gas || Amazon Visa Signature - 5% Amazon || U.S. Bank Cash+ - 5% Utilities, 5% Cable/Internet || AMEX BCP - 6% Groceries || WF Cash - Cell Insurance || Rotating 5% Categories - Chase Freedom, Discover It, Citi Dividend || AMEX Zync - For Fun!

nick125 · ‎10-31-2012

@Meltdownblitz wrote:
Congrats, thats a huge increase!! If you don't mind me asking, what kind of credit did you have when you were initally approved for the $500 CL? I'm trying to tell my gf to apply for this card but she doesn't think she will be approved.

It was my first credit card, but I did have some student loans. With a low income ($300/mo as a student, which has since improved drastically) and a score from CreditKarma of ~630, they approved me for $500. They're pretty flexible, but I think they mainly look for a reasonably clean file.

Alliant CU (12/11, $12.5k); Chase Freedom (3/12, $3.3k); Discover IT (7/12, $30.5k); American Express Blue Cash Preferred (10/13; $26k); Capital One Venture (3/15; $24k)

Epcot · ‎10-31-2012

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

MsLadyRover · ‎10-31-2012

Congrats!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
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Cadillac-XTS · ‎10-31-2012

Congrats

It was a hard INQ, but my first CLI!

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It was a hard INQ, but my first CLI!