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May seem small to most, but to me its big! :)

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GaTech
Frequent Contributor

Re: May seem small to most, but to me its big! :)

Good job Smiley Happy
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 31 of 39
android01
Valued Contributor

Re: May seem small to most, but to me its big! :)


@S7 wrote:

 

 

I had gotten an American Eagle store card, and and Old Navy, for my kids and hubby. My Old Navy started me at $200, and American Eagle at  $150.00 ( I know, but Ive never had credit, trying to build!)

So, I bought a few things for Christmas on the Old Navy, and paid it off. Logged in to make sure of my 0 balance, and surprise! They had bumped me to $400 limit! Yay!

I had heard stories of American Eagle never raises limits, and I so I figured oh well, $150.00 is whatever. So I bought 1 sweater online, $24.00, paid it off. Havent bought anything else. Logged in just to check my 0 balance, as i like to make sure I dont screw myself and forget anything, and surprise again! From $150, to $600! 

 

Just happy, small steps! Smiley Happy


It's all about baby steps.  Credit is a LONG TERM proposition (which most don't seem to understand).  Not something that can be had without time and good payment history.   You've got a great start.  Be patient, and congrats!  

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Message 32 of 39
S7
Established Contributor

Re: May seem small to most, but to me its big! :)

I don't know. I asked for $600, then I looked online, ( I had gotten the automated) and it showed up right away and showed limit at $666, available $600. Called back and got a rep and she changed it. Totally wasn't comfortable with the first one!
"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 33 of 39
HiLine
Blogger

Re: May seem small to most, but to me its big! :)


@S7 wrote:

Since the others did the increase on their own, I tried Lowes for an increase. Called the number listed here, and got an increase from $300 to $666. Number scared me! I thought it would be just $600! I called back, and they upped it to $700! :smileyhappy:


$666 sounds like an awesome credit limit to me. If I had this as my credit limit I would ask my creditor to never increase it Cat LOLMan LOLRobot LOLSmiley LOLWoman LOL

 



/Edited: Woah! This is my 1000th post on the forum! Robot tongue

 

Message 34 of 39
S7
Established Contributor

Re: May seem small to most, but to me its big! :)

CRAZY MAN! Smiley Happy
"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 35 of 39
NewYorkGuy
Established Member

Re: May seem small to most, but to me its big! :)

Congrats. I love reading these stories of people making their first steps in the credit world. All of us have been there at one point in our lives. Smiley Happy

Message 36 of 39
Henchman21
Frequent Contributor

Re: May seem small to most, but to me its big! :)

True. I'm not even there yet. Lol
2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Message 37 of 39
Shogun
Moderator Emeritus

Re: May seem small to most, but to me its big! :)

Very nice!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 38 of 39
Matt6995
Regular Contributor

Re: May seem small to most, but to me its big! :)

Moving up in the world.

 

Good job!

 

 

Message 39 of 39
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