topic Re: I HAD A CASE OF CREDIT ENVY :( in Credit Card Approvals

CREDIT ENVY TO CLI

Anonymous — Fri, 19 Aug 2016 10:51:34 GMT

It's been busy for the last week or so...

Cap One CLI 4.8K to 6.8
Discover CLI 900 to 2.7
Old Navy 300 to 5k

Amazon 3500.00 to 5K

Walmart 3500.00 to 5K

Finally approved for NFCU last week ...
Approved for Checking, Savings & Go Rewards 2.9 SL.
~~CLOC is pending annnnnnd of course I'm now stuck in BSA jail.~~ I'm out of NFCU BSA purgetory. Asked for 10k and received 10K on CLOC!

I'm not worried, I'll of course wait it out while they so do their due diligence. I work in the financial sector so I get it.

Then I accidentally *cough* applied for an AMEX BCE and was approved for 1K. OOPS *sideeye* I'm going to OFFICIALLY garden only stepping out to Refi my car.

Sometimes I look at these approvals and CLIs for crazy amounts and get jealous. Dang, can I get a starting limit of 25k.

CREDIT ENVY is so REAL.

Then it hit me yesterday.....

Two years ago I couldn't get any credit to save my life. While I had sufficient income I was being denied LEFT and RIGHT or approved w/ crazy interest RATES. I've long wanted DIscover & Amex but they wouldn't even give me a chance now I have them. I've learned so much in the last year I've been active on these boards and I am GRATEFUL for where I am now. I'm also grateful for all of you. I KNOW that it will only get better from here and these limits will grow.

For now I'm chilling in the garden and cheering for all of you.

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 14:51:53 GMT

Good for you! Congrats on your many new successes - enjoy all that you have! It really is just an amazing feeling getting approved for some very nice cards - happy for you!

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 14:53:47 GMT

Thanks Weedeb!!
It really is a great feeling 😊

Re: I HAD A CASE OF CREDIT ENVY :(

mystikal1 — Wed, 10 Aug 2016 14:55:43 GMT

Congrats

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 15:06:18 GMT

Congrats!! I know the feeling! 2 years ago, in Sept. 2014, I couldn't even get approved for a Victoria's Secret card, let alone for anything else. Now, not only do I have that, I have Amex, Chase, BOA, etc... Who ever would thunk? (is that a real word?)😃 Amazing isn't it?

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 15:18:26 GMT

Congrats!! You definitely earned it! Happy spending 🙂

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 16:25:22 GMT

Congrats on your success !!!!

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 16:34:25 GMT

Congrats on your succes and I totally get the envy. I just try to remember that our profiles are different and to have patience and be proud of what I accomplished.

Re: I HAD A CASE OF CREDIT ENVY :(

Indycoltsfan — Wed, 10 Aug 2016 16:45:36 GMT

Congrats - I understand as I am standing behind people at work paying for items in the company store I notice their cards now. Never did before I found this forum!

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 22:13:22 GMT

Good insight on credit ... grats!

Re: I HAD A CASE OF CREDIT ENVY :(

AverageJoesCredit — Wed, 10 Aug 2016 17:34:28 GMT

Its not the size that matters, it how you use it (?) !! Lol

Way to go on your approvals. ENJOY

Re: I HAD A CASE OF CREDIT ENVY :(

Anonymous — Wed, 10 Aug 2016 18:37:22 GMT

@Anonymous wrote:
It's been busy for the last week or so...

Cap One CLI 2K to 6.8
Discover CLI 900 to 2.7
Old Navy 300 to 5k

Finally approved for NFCU last week ...
Approved for Checking, Savings & Go Rewards 2.9 SL.
CLOC is pending annnnnnd of course I'm now stuck in BSA jail.

I'm not worried, I'll of course wait it out while they so do their due diligence. I work in the financial sector so I get it. Then I accidentally *cough* applied for an AMEX BCE and was approved for 1K. OOPS *sideeye* I'm going to OFFICIALLY garden only stepping out to Refi my car. Sometimes I look at these approvals and CLIs for crazy amounts and get jealous. Dang, can I get a starting limit of 25k. Credit envy is so REAL.

Then it hit me yesterday.....

Two years ago I couldn't get any credit to save my life. While I had sufficient income I was being denied LEFT and RIGHT or approved w/ crazy interest RATES. I've long wanted DIscover & Amex but they wouldn't even give me a chance now I have them. I've learned so much in the last year I've been active on these boards and I am GRATEFUL for where I am now. I'm also grateful for all of you. I KNOW that it will only get better from here and these limits will grow.

For now I'm chilling in the garden and cheering for all of you.

Congratulations on your successes. You are right that this is definitely the time to garden. Many of us here feel the same way as you that these boards and the good people here have been lifesavers. Doing my happy dance for you!

Re: I HAD A CASE OF CREDIT ENVY :(

Aduke1122 — Wed, 10 Aug 2016 18:40:05 GMT

Congrats on your success lately ! Great job OP

Re: I HAD A CASE OF CREDIT ENVY :(

ddemari — Wed, 10 Aug 2016 18:51:20 GMT

congrats! navy will definitely grow with u! Enjoy.

Re: CREDIT ENVY TO CLI

Anonymous — Thu, 11 Aug 2016 05:30:06 GMT

@Anonymous wrote:
It's been busy for the last week or so...

Cap One CLI 2K to 6.8
Discover CLI 900 to 2.7
Old Navy 300 to 5k

Finally approved for NFCU last week ...
Approved for Checking, Savings & Go Rewards 2.9 SL.
CLOC is pending annnnnnd of course I'm now stuck in BSA jail.

I'm not worried, I'll of course wait it out while they so do their due diligence. I work in the financial sector so I get it. Then I accidentally *cough* applied for an AMEX BCE and was approved for 1K. OOPS *sideeye* I'm going to OFFICIALLY garden only stepping out to Refi my car. Sometimes I look at these approvals and CLIs for crazy amounts and get jealous. Dang, can I get a starting limit of 25k.

CREDIT ENVY is so REAL.

Then it hit me yesterday.....

Two years ago I couldn't get any credit to save my life. While I had sufficient income I was being denied LEFT and RIGHT or approved w/ crazy interest RATES. I've long wanted DIscover & Amex but they wouldn't even give me a chance now I have them. I've learned so much in the last year I've been active on these boards and I am GRATEFUL for where I am now. I'm also grateful for all of you. I KNOW that it will only get better from here and these limits will grow.

For now I'm chilling in the garden and cheering for all of you.

Congratulations to you!...Thanks for sharing.

Re: CREDIT ENVY TO CLI

Vegas4Play — Fri, 12 Aug 2016 08:24:24 GMT

Congrats to you !!!

Re: CREDIT ENVY TO CLI

Chickenpotpie — Fri, 12 Aug 2016 16:49:14 GMT

Congrats to you!

when I first came here and saw some of the limits I thought people HAD to be faking that. Nor would I ever imagine I would be one of those getting a SL of 25K on a card. Or even going from 9k to 27K on another.

it really does happen, but it takes time. I gardened for A LONG TIME (several years) to get my financial house in order. My first card that I strarted with here was 900 bucks. I'm now 74K across 4 cards.

You're doing well, just garden though, (I know its kinda hard!) but let your cards mature a bit and let the INQ's fall off. Granted, some banks seems to like you more than others but thats something you'll figure out along the way. CapOne dosen't like me, no CLI from them in dog years. They're getting replaced because of that.

Also when you're gardening, this is when you can also strategize about where you'll go when you come OUT of the garden.

I think someday you'll come back to your OP in this thread and laugh after you've hit a certain mark

Re: CREDIT ENVY TO CLI

Anonymous — Fri, 19 Aug 2016 11:57:23 GMT

@Chicken That's an awesome journey! Congrats are in order for you! I think I'm going to take your advice and come back in a year! I can't wait...

Re: CREDIT ENVY TO CLI

Anonymous — Fri, 19 Aug 2016 11:58:30 GMT

@Average Joe Isn't that the truth ! LOLOL