Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Established Member
nick125
Posts: 34
Registered: ‎03-30-2012

It was a hard INQ, but my first CLI!

Options

‎10-31-2012 01:06 PM

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! :smileyhappy:

Alliant CU (12/11, $2500); Chase Freedom (3/12, $2k); Discover IT (7/12, $500)
Message 1 of 8 (282 Views)
 
Reply
Valued Contributor
Dustink
Posts: 2,385
Registered: ‎10-02-2012

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

Options

‎10-31-2012 01:07 PM

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! :smileyhappy:

Congrats :smileyhappy:

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Message 2 of 8 (276 Views)
 
Reply
Frequent Contributor
wallyworld123
Posts: 431
Registered: ‎01-04-2012

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

Options

‎10-31-2012 01:11 PM

Congrats! good for you!

Message 3 of 8 (265 Views)
 
Reply
Frequent Contributor
Meltdownblitz
Posts: 254
Registered: ‎06-01-2011

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

Options

‎10-31-2012 01:16 PM

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.

Starting Score: 610
Current Score: EX 740, EQ 730, TU 730 All FICO's
Goal Score: All 780+

Take the FICO Fitness Challenge
Message 4 of 8 (249 Views)
 
Reply
Established Member
nick125
Posts: 34
Registered: ‎03-30-2012

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

Options

‎10-31-2012 01:21 PM

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, $2500); Chase Freedom (3/12, $2k); Discover IT (7/12, $500)
Message 5 of 8 (242 Views)
 
Reply
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

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

Options

‎10-31-2012 01:48 PM

Congrats!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
Message 6 of 8 (217 Views)
 
Reply
Established Contributor
MsLadyRover
Posts: 756
Registered: ‎03-14-2012

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

Options

‎10-31-2012 01:49 PM

Congrats!

Starting Score: 639 (Walmart TU)
Current Score: TU 688 (myFICO) EX 679 (Credit Sesame) EQ 660 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 7 of 8 (216 Views)
 
Reply
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

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

Options

‎10-31-2012 02:22 PM

Congrats

Message 8 of 8 (185 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+