topic Re: Successful Month!! w/ CLI and New TLs in Credit Card Approvals

Successful Month!! w/ CLI and New TLs

lukepwnsall — Thu, 08 Jan 2015 19:08:30 GMT

So this past month I kinda went a Bit crazy....

I asked for Credit moves with Chase to make my Freedom card 5k(CSR said Signature Upgrade avalible in 1-2 bill cycles)Total Chase Credit 7.5k(SP)
Bofa CLI on Graduated 1-2-3 Card from 500 to 2k(asked for 5k countered with 2k and APR reduction) and change to Better Balance seeing as I dont use the Card(HP TU)
Bofa New Account of 7.5k on Americard (they Matched my amount chase has lended me).(HP got to Chose EQ)

Citi EO CLI from 2.5k to 5k (SP)
All this with less than 2 Years of Credit history From a 19yr Old.

Next Up CLI with Discover Recon

Only decline

MECU CLI request was declined.

PS pardon my typos I type fast and fail at proofreading.

Re: Successful Month!! w/ CLI and New TLs

pizza1 — Thu, 08 Jan 2015 18:48:58 GMT

Looks like a good run! Congrats to you!

Re: Successful Month!! w/ CLI and New TLs

CreditMagic7 — Thu, 08 Jan 2015 18:57:34 GMT

@lukepwnsall wrote:
So this past month I kinda went a Bit crazy....

I asked for Credit moves with Chase to make my Freedom card 5k(CSR said Signature Upgrade avalible in 1-2 bill cycles)Total Chase Credit 7.5k(SP)
Bofa CLI on Graduated 1-2-3 Card from 500 to 2k(asked for 5k countered with 2k and APR reduction) and change to Better Balance seeing as I dont use the Card(HP TU)
Bofa New Account of 7.5k on Americard (they Matched my amoiunt chase has lended me).(HP got to Chose EQ)
Citi EO CLI from 2.5k to 5k (SP)
All this with less than 2 Years of Credit history From a 19yr Old.
Next Up CLI with Discover Recon

Only decline
MECU CLI request was declined.

Theres those of us who if we had it to do over again would follow your lead in credit responsibility at 19! That's an excellent overall and looks like you are running on all 8 cylinders in the right direction

Big Congrats! on good maneuvering to your favor!

Re: Successful Month!! w/ CLI and New TLs

gdale6 — Thu, 08 Jan 2015 18:58:48 GMT

Nice run, grats to all your success

Re: Successful Month!! w/ CLI and New TLs

lukepwnsall — Thu, 08 Jan 2015 19:07:13 GMT

@CreditMagic7 wrote:
@lukepwnsall wrote:
So this past month I kinda went a Bit crazy....

I asked for Credit moves with Chase to make my Freedom card 5k(CSR said Signature Upgrade avalible in 1-2 bill cycles)Total Chase Credit 7.5k(SP)
Bofa CLI on Graduated 1-2-3 Card from 500 to 2k(asked for 5k countered with 2k and APR reduction) and change to Better Balance seeing as I dont use the Card(HP TU)
Bofa New Account of 7.5k on Americard (they Matched my amoiunt chase has lended me).(HP got to Chose EQ)
Citi EO CLI from 2.5k to 5k (SP)
All this with less than 2 Years of Credit history From a 19yr Old.
Next Up CLI with Discover Recon

Only decline
MECU CLI request was declined.
Theres those of us who if we had it to do over again would follow your lead in credit responsibility at 19! That's an excellent overall and looks like you are running on all 8 cylinders in the right direction
Big Congrats! on good maneuvering to your favor!

Just to Explain a bit more about my credit responsibility I have never been late on a payment My Utl is very low (dont know the exact number) but the only cards I carry any sort of balance is my US airways has 2k On it and Freedom has 500 on it but will be paying freedom off by the end of the month. I do have alot of INQ I think 23 on TU 22 On EXP and 11 on EQ, some of those about 6 or so are from car shopping which I do have an auto loan through MECU. and im not afraid of AA because most of my recent approvals have been looked at through EOs and credit analysts so they have known what my profile looks like. Even amex approved me 4 times (dont know why they allowed that) while i had about 18Inquires on EXP. I am now taking it slow I Do have EX and TU frozen now to help stop me from applying, I do believe there is something about the "processing your applications" page that gives me a rush. Almost a gamble. i also have never paid intrest, and the only fee I have paid was a BT to my US airways card to allow time for me to pay off a extended vacation to florida.

Re: Successful Month!! w/ CLI and New TLs

uswala — Thu, 08 Jan 2015 19:08:28 GMT

Congrats!

Re: Successful Month!! w/ CLI and New TLs

Anonymous — Thu, 08 Jan 2015 19:09:35 GMT

Those are awesome gains and approvals for your age! Congrats and keep it up!

Re: Successful Month!! w/ CLI and New TLs

Anonymous — Thu, 08 Jan 2015 19:16:59 GMT

Congrats! You're doing so good for your age and being responsible.

3 years ago when I was 19, I was not that responsible with credit so Im definitely paying for that now at 22 but its all good - there is a light at the end of the rebuilding tunnel.

Re: Successful Month!! w/ CLI and New TLs

coldnmn — Thu, 08 Jan 2015 21:56:18 GMT

Congrats! Thanks for sharing.

Re: Successful Month!! w/ CLI and New TLs

Anonymous — Thu, 08 Jan 2015 23:49:11 GMT

Congratulations!

Re: Successful Month!! w/ CLI and New TLs

Anomalous — Thu, 08 Jan 2015 23:52:14 GMT

@lukepwnsall wrote:
So this past month I kinda went a Bit crazy....

I asked for Credit moves with Chase to make my Freedom card 5k(CSR said Signature Upgrade avalible in 1-2 bill cycles)Total Chase Credit 7.5k(SP)
Bofa CLI on Graduated 1-2-3 Card from 500 to 2k(asked for 5k countered with 2k and APR reduction) and change to Better Balance seeing as I dont use the Card(HP TU)
Bofa New Account of 7.5k on Americard (they Matched my amount chase has lended me).(HP got to Chose EQ)
Citi EO CLI from 2.5k to 5k (SP)
All this with less than 2 Years of Credit history From a 19yr Old.
Next Up CLI with Discover Recon

Only decline
MECU CLI request was declined.
PS pardon my typos I type fast and fail at proofreading.

Congratulations!

Re: Successful Month!! w/ CLI and New TLs

Anonymous — Fri, 09 Jan 2015 02:03:39 GMT

@lukepwnsall wrote:
So this past month I kinda went a Bit crazy....

I asked for Credit moves with Chase to make my Freedom card 5k(CSR said Signature Upgrade avalible in 1-2 bill cycles)Total Chase Credit 7.5k(SP)
Bofa CLI on Graduated 1-2-3 Card from 500 to 2k(asked for 5k countered with 2k and APR reduction) and change to Better Balance seeing as I dont use the Card(HP TU)
Bofa New Account of 7.5k on Americard (they Matched my amount chase has lended me).(HP got to Chose EQ)
Citi EO CLI from 2.5k to 5k (SP)
All this with less than 2 Years of Credit history From a 19yr Old.
Next Up CLI with Discover Recon

Only decline
MECU CLI request was declined.
PS pardon my typos I type fast and fail at proofreading.

Thats Amazing, congrats on your Outstanding approvals

Re: Successful Month!! w/ CLI and New TLs

alvon123 — Sat, 10 Jan 2015 00:05:55 GMT

congrats

Re: Successful Month!! w/ CLI and New TLs

chalupaman — Sat, 10 Jan 2015 00:28:13 GMT

Nice job dude.