Well, today was the day that I finally hit six months on my Citi Dividend World Mastercard...I couldn't wait to hit the love button, as I was confident that they would raise my limit.  I filled out all of the pertinent information, but to my surprise, right before submitting the application, I was informed that I may incur a hard pull - however, I wasn't concerned because I have security freezes on all of my bureau reports. But to my dismay, my transunion report was in fact pulled despite the freeze. As you can imagine, I was very angry...I mean spit flying angry. And to make matters worst, Citi declined my request ...I had planned on gardening until next month, at which point I had planned on applying for a CSP and a USAA World MC.

Angry about the pull, and more so because of my impatience (I should have cancelled when informed about the hard pull), I decided what the heck...I've already been dinged, I may as well go ahead and apply for the two cards that I was gardening for. So I lifted my freezes and applied for the CSP first, and....instantly approved for a $12,500 cl ...next came USAA World MC, and....instantly approved for $5000 cl ...order has been restored, and I will be happily gardening until 2014...Thanks myFico! I am so much more educated  because of you...