Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 123
Registered: ‎01-15-2009
0

Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Well, I've been in the garden since May 1, and I was tired of getting auto-rejected on Walmart's website for CLIs. My Wally account is SO screwed up (back in Sept. they opened my account up with a $250 limit, and I had to call the next business day to get it up-ticked to $2,500), but they've flagged my online account as an "automated reject." Nope, that so-called "Luv" button has always generated a "your account can't be considered for a CLI at this time," followed within days by a rejection letter.

 

I did get a New Year's day CLI from $2500 to $6500, but I asked for that, and it was over the phone.

 

So today I called and asked for a $4500 increase, and they gave it to me. My whole goal in asking for such a big CLI from them was to never, ever, have to ask for one again. Just in case I buy electronics there over Christmas, (a $500 - $800 item), my % use of credit there should still be OK! Woot!

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Member
Posts: 30,743
Registered: ‎02-07-2013
0

Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)


trishdadish wrote:

Well, I've been in the garden since May 1, and I was tired of getting auto-rejected on Walmart's website for CLIs. My Wally account is SO screwed up (back in Sept. they opened my account up with a $250 limit, and I had to call the next business day to get it up-ticked to $2,500), but they've flagged my online account as an "automated reject." Nope, that so-called "Luv" button has always generated a "your account can't be considered for a CLI at this time," followed within days by a rejection letter.

 

I did get a New Year's day CLI from $2500 to $6500, but I asked for that, and it was over the phone.

 

So today I called and asked for a $4500 increase, and they gave it to me. My whole goal in asking for such a big CLI from them was to never, ever, have to ask for one again. Just in case I buy electronics there over Christmas, (a $500 - $800 item), my % use of credit there should still be OK! Woot!


Congarts nice limit

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator
Posts: 9,571
Registered: ‎01-15-2009
0

Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Those are very nice increases! Congrats!
Established Member
Posts: 1,058
Registered: ‎05-28-2013
0

Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Yup, congratulations!


Experian score (Amex) 734; Transunion score (Barclay) 732
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Congrats! Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Highlighted
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Awesome increase! 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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.