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Frequent Contributor
Dadaluma83
Posts: 364
Registered: ‎08-23-2011

Re: Your first and highest CL leap ...

Biggest jump for me was going from a 750CL capital one card to an instant approval for a 5,500 discover more.

 

Before I had my cap 1 card I was getting denied for prime cards because I had no open credit cards, so I had to bite the bullet and go with a cap 1 builder. I made that jump in CL because I kept inquiries to a minimum and made a payment before my statement cut to lower util.

 

Now the good news of course is when one bank gives you your first high limit card, other banks will be glad to follow.

FICO Scores: TU: 768 (Jan 2012), EQ: 755 (Jan 2012 Lender pull)
Moderator
tinuviel
Posts: 3,889
Registered: ‎11-02-2010

Re: Your first and highest CL leap ...

My highest CL leap was on my Cap1 Visa card. I've had it since 1999, and it was stuck at $1400 the entire time, with no CLIs. That is, until last summer, when it jumped $5000, to where it currently sits at $6400. It was a completely unexpected CLI, and my jaw dropped as I about fell out of my chair! I kept looking at my computer screen thinking that I was seeing things wrong, but no, it was a $5000 auto CLI!



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores

Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Established Contributor
bribro
Posts: 876
Registered: ‎04-20-2012

Re: Your first and highest CL leap ...

I think I misunderstood the OP's question: my single biggest CLI jump was from $3k to $15k on my Freedom card (via executive office request, no HP).

Credit Karma Score: 803 (4/26/13)
Credit Sesame Score: 792 (4/26/13)

J.P. Morgan Palladium ($100k x3) | Citi Dividend World Elite MC w/EMV ($20k) | Chase Sapphire Preferred Visa Signature ($25k) | Chase Ink Bold World Elite MC ($25k Flex) | Chase Freedom Visa Signature ($25k) | Chase Freedom World MC ($25k) | Chase MileagePlus Explorer Visa Signature ($15k) | AmEx Blue Sky ($22.5k) | Lexus Financial Services ($30k) | Capital One Store Credit ($6k) | GE Money Store Credit ($3k) | WFNNB Store Credit ($2k) | Macy's Store Credit ($2k)
Valued Contributor
RockinRay
Posts: 1,763
Registered: ‎08-13-2007

Re: Your first and highest CL leap ...

I am too old to remember...  :smileyvery-happy:

Ray

** Every Card has a Job, and Every Card does its Job **

Moderator
tinuviel
Posts: 3,889
Registered: ‎11-02-2010

Re: Your first and highest CL leap ...


RockinRay wrote:

I am too old to remember...  :smileyvery-happy:


 

Me, too... That's exactly why I only answered the second part of the question!!! :smileywink:



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores

Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Regular Contributor
hotpoint
Posts: 119
Registered: ‎07-23-2007

Re: Your first and highest CL leap ...

 


tinuviel wrote:

My highest CL leap was on my Cap1 Visa card. I've had it since 1999, and it was stuck at $1400 the entire time, with no CLIs. That is, until last summer, when it jumped $5000, to where it currently sits at $6400. It was a completely unexpected CLI, and my jaw dropped as I about fell out of my chair! I kept looking at my computer screen thinking that I was seeing things wrong, but no, it was a $5000 auto CLI!


                                                                                                                                                                                                                                                                                                                        
This is certainly contrary to what most write with regards to Cap 1, thanks for sharing -- hopefully others with see your experience and value the AAOA, and the relationship.

 

HotPoint

 

Regular Contributor
youngman1234
Posts: 228
Registered: ‎02-27-2012

Re: Your first and highest CL leap ...

If you don't mind me asking how did u go from 3k to 15k, what was the reasoning you gave to ask them to increase it that much....I have a slate for 3k and want to increase it to...
BOA Cash Sig-20k, BOA Cash Rewards Plat- 16k, BOA Amex-7.5k, Discover-15k, Penfed Promise- 9k, Chase Slate-3k, Alliant-2.5k, Barclays- 2k, Wells- 1.5k, Pnc-1.5k, Affinity-1k, Capital one- 750, Amex gold- 3k hard limit

Business - Chase Bold- 45k & Chase ink cash- 12k
Established Contributor
bribro
Posts: 876
Registered: ‎04-20-2012

Re: Your first and highest CL leap ...


youngman1234 wrote:
If you don't mind me asking how did u go from 3k to 15k, what was the reasoning you gave to ask them to increase it that much....I have a slate for 3k and want to increase it to...

You can read about it here: http://ficoforums.myfico.com/t5/Credit-Cards/Approved-for-Freedom-2-weeks-after-CSP/m-p/1366307

Credit Karma Score: 803 (4/26/13)
Credit Sesame Score: 792 (4/26/13)

J.P. Morgan Palladium ($100k x3) | Citi Dividend World Elite MC w/EMV ($20k) | Chase Sapphire Preferred Visa Signature ($25k) | Chase Ink Bold World Elite MC ($25k Flex) | Chase Freedom Visa Signature ($25k) | Chase Freedom World MC ($25k) | Chase MileagePlus Explorer Visa Signature ($15k) | AmEx Blue Sky ($22.5k) | Lexus Financial Services ($30k) | Capital One Store Credit ($6k) | GE Money Store Credit ($3k) | WFNNB Store Credit ($2k) | Macy's Store Credit ($2k)
Frequent Contributor
YahComb
Posts: 456
Registered: ‎03-10-2012

Re: Your first and highest CL leap ...

Guess it's my recently graduated BOA cash rewards. I was graduated early unexpectedly,  I didn't get an auto-cli at graduation so i called them after my account number changed. I started at 600 in august 11, doubled deposit to 1.2K this april, then CLI'd 1.2K to 3K this weekend, 2 Weeks after graduation.

 

That should get things rolling for some decent CLI's in the future.

EQSW-703 (05/05/13)
Newest to Oldest
Citi TY Pref 4.5K | US Bank Cash+ 6.5K | Chase Freedom 3K | Chase Sapphire WMC 5K | Disc More 4K | Amazon Store 2.5K | BOA Cash Rewards 6K |

RIP silver spade status, 12/2/12 to 5/4/13
Established Contributor
visorboy1974
Posts: 959
Registered: ‎05-17-2010

Re: Your first and highest CL leap ...

Highest CL leap was my Yahoo! Visa back in about 2000.  Went from $9K to $30K.  Of course since then I have been through a BK7 so if you're taking that into account:  

 

Since rebuilding, first CLI was CapOne $750-$3K back in '08.  Biggest three were Alliant, $500-$15K, PSECU, $10K-$20K and UIECU from $10K-$20K.  I know I'm maxed out on PSECU, but I've inched up $2K more on Alliant and get periodic 10% Auto-CLIs on UIECU now.    


Starting Score: 600
Current Score:: 687EQ, 698EX, 721TU
Goal Score: 760


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