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Regular Contributor
Posts: 123
Registered: ‎01-15-2009
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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.
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Posts: 26,723
Registered: ‎02-07-2013
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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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
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Posts: 7,429
Registered: ‎01-15-2009
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Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Those are very nice increases! Congrats!
Established Contributor
Posts: 630
Registered: ‎05-28-2013
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Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Yup, congratulations!

9/21/14 EQ 704 | AmEx Platinum NPSL | Discover it $11k | BofA Travel Rewards Visa Sig $7k | Citi Platinum Select AAdvantage WMC $10k | Barclaycard Arrival+ WMC $9.7k | Jared/Kay $5.1k | Chase Sapphire Preferred $5k | BofA Cash Rewards Visa Sig $5k | DFS $5k | PayPal SC $5.6k | PayPal Credit $6.5k | Citi Diamond Preferred MC $4.7k | BofA Better Balance Rewards MC $7k | Chase Freedom Visa $4k | Zales $5k | US Bank Visa Platinum $3k | Bloomingdale's $3k | Amex Hilton HHonors $2k | Macy's $2.5k | Amex Delta SkyMiles $1k | Chase Amazon $800
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Just Gave Myself a "Use-Boost" (decrease in overall utilization)

Congrats! :smileywink:


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

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