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It was a hard INQ, but my first CLI!

Valued Member

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, $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)
Message 1 of 8
7 REPLIES
Valued Contributor

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%
Message 2 of 8
Frequent Contributor

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

Congrats! good for you!

Message 3 of 8
Frequent Contributor

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.

 
Message 4 of 8
Valued Member

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, $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)
Message 5 of 8
Valued Contributor

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

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 8
Valued Contributor

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!)

Take the FICO Fitness Challenge
Message 7 of 8
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Established Contributor

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

Congrats

Message 8 of 8