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Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Why all the hard pulls?!?

Im so annoyed!
I'm over GE's sp cli love, mostly because Ive almost reached their internal limit of $100k LOL
The only two cards I could potentially be eligible for a higher limit on both are lenders that are hard pull happy :-/heh. Barclay's and Discover.
What is a young man to do in the garden if he can't get sp clis!!!!
And I have a little more than a month to ask Amex for $24,500! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012

Re: Why all the hard pulls?!?

Simmer down, there, chief.

 

I think you'll survive a month's wait.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Why all the hard pulls?!?

Lmao

Who needs 100k from GE?!?? With the high interest??



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
Valued Contributor
navigatethis12
Posts: 1,886
Registered: ‎01-24-2012

Re: Why all the hard pulls?!?

If you wait, Barclays may increase the limit on their own. Do you actually need these limits to be increased, or do you just want a higher limit?

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Why all the hard pulls?!?

And i thought that having a total CL of $25K with GE was too much on 3 cards lol

 

 




Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Why all the hard pulls?!?

LOL..
I don't have $100k with GE yet haha.
Like maybe 85-90k.

I don't need it... Lol it's part of my plan to have stellar credit. I've got to get to the 800 club somehow! Lol

I pif all of those GE accounts except the Paypal MC one. That has pretty decent rewards though! Lol



Heh, I'm just addicted to that "APPROVED" feeling. Haha

It's been six months as of 04/24/13 since I got a cli on Barclay's. they did auto cli me previously at the 7th month.

The garden is just boring as heck. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
Captain4Ever
Posts: 26
Registered: ‎04-24-2012

Re: Why all the hard pulls?!?

Having a skyrocket credit limit is not enough to be in 800 club, it takes a long time to build up as well.

I think you are having too enough credit and be careful with them, I heard in the future if you apply for mortgage, you may got bad advantage for having too much credit unless you can prove your income sufficient enough to back you up.

 

I don't have that much credit like you , for me 5 cards with 40k is quite enough , I also know I can surely back them up with my income. :smileyhappy:

( Not to rain on your credit march , just a friendly advice)

Moderator
09Lexie
Posts: 24,580
Registered: ‎09-13-2012

Re: Why all the hard pulls?!?

You need to be a little longer in the tooth before reaching the 800 club. Lol

Anyway, the garden may not be as boring as you think; if you check in from time to time you might be pleasantly surprised. I'll save you a spot next to my seedlings.
Valued Contributor
Imhotrodcrazy
Posts: 1,385
Registered: ‎03-11-2009

Re: Why all the hard pulls?!?


youngandcreditwrthy wrote:
I don't need it... Lol it's part of my plan to have stellar credit. I've got to get to the 800 club somehow! Lol


_________________________________________________________________________________________________________________________
You don't need a ton of credit to get into the 800 club.  I only have one LOC with USB, ( 15K ), my Cash+ card ( 15K ), and my amex, ( 13K ), and I hit 834 back in 12/11.  My oldest acct is 21 years and my aaoa is 7.5 yrs. 

 
FICOS
TU 802 7/11/14
EX 797 7/6/14
EQ 752 7/28/14

Cash+ 19.5 / Amex 16.5 / US Bank loc 15k / Chase Freedom 10.6k
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Why all the hard pulls?!?

My aaoa and inqs are hurting me the most :-(. I could prob be at 775-800 if I had less inqs and a 4-5 year aaoa! Maybe I can get to three years' aaoa in the next few months! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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