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Valued Member
Posts: 44
Registered: ‎03-30-2012
0

It was a hard INQ, but my first CLI!

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! Smiley Happy

Alliant CU (12/11, $5k); Chase Freedom (3/12, $3.3k); Discover IT (7/12, $7.5k); American Express Blue Cash Preferred (10/13; $19k); Capital One Venture (3/15; $15k)
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: It was a hard INQ, but my first CLI!


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! Smiley Happy


Congrats Smiley Happy

 

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%
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: It was a hard INQ, but my first CLI!

Congrats! good for you!

Frequent Contributor
Posts: 380
Registered: ‎06-01-2011
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Re: It was a hard INQ, but my first CLI!

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.

 
Valued Member
Posts: 44
Registered: ‎03-30-2012
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Re: It was a hard INQ, but my first CLI!


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, $5k); Chase Freedom (3/12, $3.3k); Discover IT (7/12, $7.5k); American Express Blue Cash Preferred (10/13; $19k); Capital One Venture (3/15; $15k)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: It was a hard INQ, but my first CLI!

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: It was a hard INQ, but my first CLI!

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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Posts: 1,837
Registered: ‎08-20-2012
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Re: It was a hard INQ, but my first CLI!

Congrats

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