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

Regular Contributor

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.
Message 1 of 6
5 REPLIES
Super Contributor

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?
Message 2 of 6
Moderator

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

Message 3 of 6
Community Leader
Valued Contributor

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

Yup, congratulations!

Message 4 of 6
Valued Contributor

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

Congrats! Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 5 of 6
Valued Contributor

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
Message 6 of 6