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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Where I stand...suggestions?


ssmith891 wrote:

They counter offered $8,800. Still not bad I suppose :smileylol:

 

So what about my Chevron and Texans CU Visa now?


That's great!    Ask for CLIs on those too!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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ssmith891
Posts: 79
Registered: ‎11-07-2012
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Re: Where I stand...suggestions?

$3,000 on my Texans Visa now!!!

 

Onto Chevron!! :smileyvery-happy:

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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Where I stand...suggestions?


ssmith891 wrote:

$3,000 on my Texans Visa now!!!

 

Onto Chevron!! :smileyvery-happy:


Whoo hoo!   nice limit to have on a CU Visa :smileyhappy:    They typically have great rates and low / no BT fees :smileyhappy:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Where I stand...suggestions?

Congrats

New Contributor
ssmith891
Posts: 79
Registered: ‎11-07-2012
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Re: Where I stand...suggestions?

My question is though, since I don't really want to use my Chevron card because of BCE, and I never use my NTB card (I opened it to pay off my tires over time interest free) should I keep these open or SD them? Is a CLI even worth it for them?

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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Where I stand...suggestions?

If you ask for a CLI it should be only a SP...

If you don't really want to use them that's fine :smileyhappy: just sock drawer them.

For what its worth I only use my store cards a few times per year

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Creditaddict
Posts: 20,130
Registered: ‎10-23-2007
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Re: Where I stand...suggestions?


ssmith891 wrote:

My question is though, since I don't really want to use my Chevron card because of BCE, and I never use my NTB card (I opened it to pay off my tires over time interest free) should I keep these open or SD them? Is a CLI even worth it for them?


For Chevron I would go ahead and take the CLI just because it's going to be a SP and the higher the limit goes the higher chance of getting the visa is (I say in my mind as I type so I too believe it :smileytongue:)

Anyway, I would call and ask the csr if you can get an increase to $2000... the computer will spit back an answer, if it gives $2k maybe you want to go to underwriting and ask for more, or maybe ask for more than if it counters $500... or else just don't.... but if you don't use for more than a year (maybe shorter) they will decrease the CL to $124.... you can get it back but really if you won't EVER use again, Id probably take the increase, then let it sit for a month or two and get that new limit reporting and then close! haha

at least then in future when you go for CLI or new cards, they won't see anything that low on your reports in long time. (again, not sure it matters completely!)

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
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webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: Where I stand...suggestions?


Creditaddict wrote:

ssmith891 wrote:

My question is though, since I don't really want to use my Chevron card because of BCE, and I never use my NTB card (I opened it to pay off my tires over time interest free) should I keep these open or SD them? Is a CLI even worth it for them?


For Chevron I would go ahead and take the CLI just because it's going to be a SP and the higher the limit goes the higher chance of getting the visa is (I say in my mind as I type so I too believe it :smileytongue:)

Anyway, I would call and ask the csr if you can get an increase to $2000... the computer will spit back an answer, if it gives $2k maybe you want to go to underwriting and ask for more, or maybe ask for more than if it counters $500... or else just don't.... but if you don't use for more than a year (maybe shorter) they will decrease the CL to $124.... you can get it back but really if you won't EVER use again, Id probably take the increase, then let it sit for a month or two and get that new limit reporting and then close! haha

at least then in future when you go for CLI or new cards, they won't see anything that low on your reports in long time. (again, not sure it matters completely!)


 

For some reason I love the idea of getting a CLI and then closing the account. Lol!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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ssmith891
Posts: 79
Registered: ‎11-07-2012
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Re: Where I stand...suggestions?

[ Edited ]

I totally forgot about the Visa...do you think it would be possible to ask for a CLI and an upgrade for the Visa? Pushing it much? :smileysurprised: Or is it even worth it. The benefits really don't outweigh BCE.

New Contributor
ssmith891
Posts: 79
Registered: ‎11-07-2012
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Re: Where I stand...suggestions?

I just don't want another HP after applying for 3 cards so quickly after another.


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