Rewarded for not leaving the garden

Iorek · ‎10-01-2013

So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

The powers that be were rewarding me for my discipline

Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.

youngandcreditwrthy · ‎10-01-2013

Congrats!!!

09Lexie · ‎10-01-2013

Very well done!

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jeffg330 · ‎10-01-2013

Way to resist temptation and grats on the CLI.

Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)
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In the Garden till 12/14

SunriseEarth · ‎10-01-2013

@Iorek wrote:
So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

The powers that be were rewarding me for my discipline

Congrats on CLIs!

MsLadyRover · ‎10-01-2013

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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myjourney · ‎10-01-2013

@Iorek wrote:
So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

The powers that be were rewarding me for my discipline

WTG keep up the good work

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?

BearsAndTurtlesRtheBest · ‎10-01-2013

That surely cured your temptation from that CITI offer. Congrats!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

tinuviel · ‎10-01-2013

Good for you! Congrats on resisting the impulse to app when the time wasn't right for you, and getting soft CLIs instead. Way to go!

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

Iorek · ‎10-02-2013

@BearsAndTurtlesRtheBest wrote:
That surely cured your temptation from that CITI offer. Congrats!

It really did! Too bad the offer expires right before I could first consider sneaking out of the garden (mid January, for max backdating for a hopeful Amex BCP). I would consider taking them up on it otherwise.

Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.