Re: CLI..... when should I ask ???
02-28-2012 02:35 AM
By the way just to let everyone I also posted my recent FR from Amex which i still have yet to hear back from.........
Length of credit history - 1 year 7 months
AAOA: 8 months
I am 22
Had a BOA secured card - $10,000 limit ( fell to $3,000 after graduating in 11/2011)
Capital one - $500 ( now $750)
Care Credit - $1000
Lord & Taylor - $1200 ( now $3,000)
Macys & Bloomingdales
2011 - ( In Nov 2011 added 11 new accounts) Now have:
BOA Plantinum Plus - 3000 ( the card that unsecured from a $10,000 limit)
BOA CASH rewards - 2000
BOA Accelerated Amex- 2000
Penfed Promise - 9000
PNC Bank - 1500
Chase Slate - 3000
Wells Fargo Plat - 1500
Affinity CU - 1000
Barclays - 1300
walmart - 700
I have been PIF since NOV 2011, and have used up the entire limit on most cards. In otherwords with my BOA cards in specific I have charged $2990 on the PLat and the the other two $1990 every month so far, but pay off the bill before the statement cuts. I want to hit the lov button so bad but dont think I will get approved.
Current score - 663 ( have about $8,000 in debt reporting Penfed - 5000 & Amex SPG ( 3,000), but will Pay off when the bill will come. I am waiting for the two new BOA cards to hit six months first and then request CLI, but wanted to know do you think it would be wise to request a CLI for the graduated card. I have the longest history with this card and had a $10,000 when it was secured. As of right now all my BOA cards together only have a 7,000 limit which is nothing. My brother and I use the cards for our business and charged almost $75K since NOV 2011 and paid off in full the entire amount..
Any suggestions ??
I wouldn't be asking for any CLI's with that many new accounts right. You need to garden for a least a year. All your going to do is rock the boat esp. with Barclay's (if they already aren't on to you)
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