Established Contributor
Posts: 759
Registered: ‎01-16-2012

Mini CLI fest

So last Thursday was my 61st day with my Amex Surpass, but they've been softing me on the 28th. So I waited until today, hoping to get the most up to date soft pull. Was a little worried because an installment loan that I've paid more than half of the balance on hasn't reported a new balance in months. I know Amex likes to see regular, greater than minimal payments, but what can you do.


So: Original limit 1k, asked for 3k, instant approval. I've put a little over 4k through the card, mostly to get the 3k spend in 3 months for 20k bonus points. I am really excited about this limit increase, since most of my upcoming hotel stays are between 1 and 2k. Now I can use this card and get the double dip and 9 pts/dollar. Now, to bide my time for 6 months and ask for the 9k.


My USAA World MC is already my highest limit at 7k, but with a baby on the way, I'm hoping to have a bigger "emergency" pool to draw from. I'd also like to use it for larger purchases where Amex isn't accepted. I knew this was a hard pull, but thought it was worth the cost. Applied over the phone. They didn't ask me for an amount, just said it would be an inquiry and an instant decision. Got increase from 7k to 13k. I must be hanging out here too often, because I was a bit disappointed. Was hoping for a really big limit to help convince other creditors, but should probably be happy. After all, a year ago my highest limit was 1k on a secured card. 


I did ask about interest rate reductions and was told they review cards once a year, but that reductions are rare. He said I would most likely need to apply for another card to see a lower rate. Oh well. 


Was on a roll, so thought about calling the Capital One executive number, but I can't think of what they could say that would make me keep this card beyond November. Even if they substantially raised my limit and waived the AF, I just don't use this card. So I'll leave that number for people more frustrated than me.


So current lineup is: USAA WMC 0/13000, Amex Surpass 0/3000, Amex zync (15k purchase has gone through), Discover more (800/3000), Chase SW RR (0/5000) and Cap 1 no hassle rewards (0/1250). I'm an AU on my wife's WF card (0/16,600). 


I will close the Cap 1 in November and in December will try to convince Chase to convert my SW card to a CSP. I have no plans to add any cards, just focused on growing limits, getting rewards and waiting for the last of 2006 badness to fade.


Thanks to this forum for all the info. Never would have gotten here without all the advice. Best of luck to all applying...

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k
Frequent Contributor
Posts: 375
Registered: ‎01-20-2012

Re: Mini CLI fest

That's fantastic, wtg!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Super Contributor
Posts: 6,542
Registered: ‎04-07-2008

Re: Mini CLI fest

Great success story


Also congrats on your upcoming baby :smileyhappy:

Valued Contributor
Posts: 1,390
Registered: ‎09-16-2011

Re: Mini CLI fest

awesome CLI's 



Wallet: FNBO DISC 11.9k Oregon Duck 5k, Chase CSP 10k, Freedom 3.3k & AMTRAK 4.6k & Slate 3.3k , AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Walmart 4.5k
Sockdrawer: Paypal Extras MC 6k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club Discover 10k, Citi HHonors Gold 6k, Discover IT 6.5k and a nice stack of store cards.
Last APP 12/21//2013 no plans for new credit I think I have enough.
Established Contributor
Posts: 795
Registered: ‎05-01-2012

Re: Mini CLI fest

Congrats! Great success story.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Mega Contributor
Posts: 15,434
Registered: ‎04-09-2011

Re: Mini CLI fest

WTG!!! Awesome CLI success!!!

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 440
Registered: ‎02-08-2012

Re: Mini CLI fest

Nicely Done!!1 :smileyhappy:
Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Mini CLI fest


Established Contributor
Posts: 759
Registered: ‎01-16-2012

Re: Mini CLI fest

CS800 wrote:

Great success story


Also congrats on your upcoming baby :smileyhappy:

Thanks! I suspect I will be too busy with him to be tempted to app for anything for a while.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k

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