Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 187
Registered: ‎01-20-2008
0

Re: Who hasn't been AA'd at all yet?

Nothing for me yet, though my two revolving credit cards are both Secure cards. I don't think they can CLD me when I have plunked down cash to have a specific credit limit.

 

I'm slightly concerned that Sears would CLD me for not using my account as often as they would probably like. On average maybe $15/month and always PIF.


8/27/10 -
TU FICO 768
EQ FICO 763
EX PLUS 732

Established Contributor
Posts: 618
Registered: ‎09-16-2008
0

Re: Who hasn't been AA'd at all yet?

[ Edited ]
Wife called for a replacement GEMB/JCP card that wasn't used in about 5 years.  They hadn't close the account, and just kept reporting as Current every month.  Asked for a CLI at the time, CL went from $224 to $1000.
Message Edited by Mike14 on 11-23-2008 02:53 AM
Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
Highlighted
Frequent Contributor
Posts: 372
Registered: ‎06-15-2007
0

Re: Who hasn't been AA'd at all yet?

No AA's as of yet - total TL's 14 cc's, 3 store, 1 charge. I currently have 2 cards with BT's all others I rotate usage and PIF. Rec'd the following CLI's recently -

Oct: Chase Disney +10k (hard) and Paypal MC +1.25k (soft) on Paypal MC.

Nov: US Bank +1.5k(soft) and Discover +3k (hard).

 

Amex revolvers no CLD even with the BT balances on CIti (2 offers: 0% thru Aug 2009 & 3.99 Life) and BOA (0% thru 5/2009). I pay about 5x the min on each card per month. My goal with the BT's was to establish a strong payment history (which is working), Citi card opened 12/07 and BOA 03/08.

 

Now if you should ask about the state of my 401k - that's another matter....Smiley Sad

 

Good Luck to All as we navigate through this banking mess!

 

 

01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.