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Established Member
nick125
Posts: 34
Registered: ‎03-30-2012

It was a hard INQ, but my first CLI!

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‎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)
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Valued Contributor
Dustink
Posts: 2,364
Registered: ‎10-02-2012

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

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‎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%
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wallyworld123
Posts: 428
Registered: ‎01-04-2012

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

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‎10-31-2012 01:11 PM

Congrats! good for you!

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Frequent Contributor
Meltdownblitz
Posts: 254
Registered: ‎06-01-2011

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

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‎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
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Established Member
nick125
Posts: 34
Registered: ‎03-30-2012

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

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‎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)
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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

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

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‎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
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Established Contributor
MsLadyRover
Posts: 727
Registered: ‎03-14-2012

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

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‎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
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Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

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

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‎10-31-2012 02:22 PM

Congrats

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