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Unsecured my Visa today and...

Frequent Contributor

Unsecured my Visa today and...

Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.
4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
5 REPLIES
Valued Contributor

Re: Unsecured my Visa today and...

Wow, that really is awesome. Always great to hear stories like these. Thanks for sharing and congrats!

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Valued Contributor

Re: Unsecured my Visa today and...

 


StartinOver wrote:
Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.

 

Congrats. You have beaten me on CLI at unsecure. My BofA secured went to 7500 unsecured from 500 secured. You got 8k unsecured.

 

Way to go...

 

Well, now I have to keep myself happy so I will remind myself that though I got less CL than you did, I got it CLIed to 10k in about a month.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Frequent Contributor

Re: Unsecured my Visa today and...

so we both had a $7000 increase Smiley Happy
4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
Valued Contributor

Re: Unsecured my Visa today and...

Definitely nothing to sneeze at.  Great job! 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Valued Contributor

Re: Unsecured my Visa today and...


StartinOver wrote:
so we both had a $7000 increase Smiley Happy

Well, in a way yes. But I tend to count it like you got 8000 and I got 7500 CLI as I believe we had no credit from the bank (500/1100 was our money, not what bank trusted us with).

 

That aside, congrats on a job well done. Another proof of the fact that good track record even if its short can reap some good rewards.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K