topic Re: Another Citi DC & Simplicity / Amex BCP CLI in Credit Card Approvals

Another Citi DC & Simplicity / Amex BCP CLI

lovelife2 — Sun, 24 May 2020 22:08:46 GMT

I have read numerous posts of credit card companies reducing credit card limits, not true for me. Citi DC went from 13700 to 17000, Citi Simplicity went from 15700 to 18000 (auto). Amex BCP went from 16000 to 21000 (i asked for 5k on line), immediate approval. I wanted to give some great news to folks out there. I dont apply for credit card often, been years. My inquiries are from a home purchase in 2019 and loan. I use all my cards and my pattern hasnt changed in using them and i make payments several times a month always have.

Interest in:

Amazon Prime Chase Card, Citi Costco or Capital One cc - but chicken. I get nervous applying for cards. Weird.

DP:

Experian 811 / 4 inquiries

Exquifax 802 / 4 inquiries

Transunion 798 / 4 inquiries

Credit cards:

Alaska USA FCU (2011) 12000 CL / owe 0

Citi DC (2010) 17000 CL / owe 351

Citi Simplicity (2014) 18000 CL / owe 660

Amex BCP (2006) 21000 CL / owe 0

Discover IT (2014) 8000 CL / owe 0

Amex Green Card (1992) / owe o

Personal Loan:

Lightstream $39000 owe

Banks:

HYSA / Captial One 360, Marcus & Ally

Checking / Ally & Alaska USA FCU

Re: Another Citi DC & Simplicity / Amex BCP CLI

AllZero — Sun, 24 May 2020 22:11:48 GMT

Congratulations on your CLIs!

Re: Another Citi DC & Simplicity / Amex BCP CLI

gdale6 — Sun, 24 May 2020 22:20:18 GMT

A good run of CLIs, enjoy them

Re: Another Citi DC & Simplicity / Amex BCP CLI

Anonymous — Sun, 24 May 2020 23:00:50 GMT

@lovelife2 Super Congrats on your CLI's!!!

With scores in the high 700s and low 800s, I'd say that

you have nothing to be nervous about. You are very prudent

with how you use credit, and I seriously doubt you'll have any

problems getting approved for whatever you want in the future.

Congrats again on your success. Thanks so much for sharing!

Re: Another Citi DC & Simplicity / Amex BCP CLI

M_Smart007 — Sun, 24 May 2020 23:16:44 GMT

Congratulations on your Increases!!!

Re: Another Citi DC & Simplicity / Amex BCP CLI

Anonymous — Sun, 24 May 2020 23:17:10 GMT

Congratulations on your increases!

Re: Another Citi DC & Simplicity / Amex BCP CLI

coreyb80 — Sun, 24 May 2020 23:55:39 GMT

Congrats on the CLIs!!

Re: Another Citi DC & Simplicity / Amex BCP CLI

Anonymous — Sun, 24 May 2020 23:56:04 GMT

@lovelife2 wrote:
... I wanted to give some great news to folks out there ...

You certainly have. Great stuff -- Congrats! & thanks for the DPs.

Re: Another Citi DC & Simplicity / Amex BCP CLI

nuohlac — Mon, 25 May 2020 01:42:34 GMT

Congratulations on your CLI's!!!

Re: Another Citi DC & Simplicity / Amex BCP CLI

CreditAggie — Mon, 25 May 2020 05:53:09 GMT

Congratulations on your Citi and Amex CLIs!

Re: Another Citi DC & Simplicity / Amex BCP CLI

Anonymous — Mon, 25 May 2020 05:57:58 GMT

Congrats on your CLIs!

Re: Another Citi DC & Simplicity / Amex BCP CLI

CYBERSAM — Mon, 25 May 2020 06:57:33 GMT

Congrats! Nice job 🤑

Re: Another Citi DC & Simplicity / Amex BCP CLI

Anonymous — Mon, 25 May 2020 08:18:47 GMT

Congrats on your CLIs.