topic Re: Macy's CLI in 9 days! in Credit Card Approvals

Macy's CLI in 9 days!

Anonymous — Wed, 12 Mar 2014 06:05:32 GMT

Well it's been a little over a week since I had my app spree and joined the garden. I began last week by celebrating my 40th birthday (3/8) with a shopping spree. I knew Macy's & Bloomingdale's might be a problem (temptation) when I applied, but I figured I deserved to treat myself. When I opened the card online, I got the ever popular $100 limit. I called for recon of course & they bumped it to $300. Small start, but hey I am rebuilding. The following day I received an email to call in to verify ID & they bumped my limit to $600. Still small, but hey...So I bought a few things for $345. A couple of days later I noticed a statement was already posted, so I PIF. Today I shopped online and my cart totalled $350. I didn't want to use so much of my limit, so I decided to take a chance & ask for a CLI through chat. My Experian score had jumped 22 pts since last month so I thought I'd be good for something. After answering some questions about income & housing pmt etc. I asked to double my limit (afraid to be greedy so soon), and it was approved! So now I can be certain that my utility will stay in my goal area next month. I've read on here a few times "ask & you will receive". I just never thought it could happen so soon. My limit should be nice when I leave the garden. Thanks to all who post their experiences, giving people like me the courage & guidance to rebuild the right way!

Re: Macy's CLI in 9 days!

kroberts67 — Wed, 12 Mar 2014 06:12:57 GMT

I take it you need to update your score in your siggy! Congrats, nice job!

Re: Macy's CLI in 9 days!

Anonymous — Wed, 12 Mar 2014 06:28:55 GMT

@kroberts67 wrote:
I take it you need to update your score in your siggy! Congrats, nice job!

Lol... Thanks & yeah that was an average of all 3. Waiting til 3/23 when I'll have them from my monitoring service. I got the new Experian from Credit Sesame paid service. They update daily now. I expect good pts from Transunion as well. Not too sure about EQ. I decreased my utility majorly in the last few weeks so my fingers are crossed.

Re: Macy's CLI in 9 days!

coldnmn — Wed, 12 Mar 2014 09:48:54 GMT

Congrats! Thanks for sharing.

Re: Macy's CLI in 9 days!

alvon123 — Wed, 12 Mar 2014 10:18:09 GMT

congrats

Re: Macy's CLI in 9 days!

Anonymous — Wed, 12 Mar 2014 14:56:33 GMT

Amazing! Next you will be upgrading.

Re: Macy's CLI in 9 days!

gdale6 — Wed, 12 Mar 2014 16:40:28 GMT

Grats

Re: Macy's CLI in 9 days!

Anonymous — Wed, 12 Mar 2014 16:43:08 GMT

Congratulations and thank you for this post! It was actually seeing your post that made me call Macy's to pester them for my own CLI.

Re: Macy's CLI in 9 days!

-Wade- — Wed, 12 Mar 2014 21:28:05 GMT

@Anonymous wrote:
Well it's been a little over a week since I had my app spree and joined the garden. I began last week by celebrating my 40th birthday (3/8) with a shopping spree. I knew Macy's & Bloomingdale's might be a problem (temptation) when I applied, but I figured I deserved to treat myself. When I opened the card online, I got the ever popular $100 limit. I called for recon of course & they bumped it to $300. Small start, but hey I am rebuilding. The following day I received an email to call in to verify ID & they bumped my limit to $600. Still small, but hey...So I bought a few things for $345. A couple of days later I noticed a statement was already posted, so I PIF. Today I shopped online and my cart totalled $350. I didn't want to use so much of my limit, so I decided to take a chance & ask for a CLI through chat. My Experian score had jumped 22 pts since last month so I thought I'd be good for something. After answering some questions about income & housing pmt etc. I asked to double my limit (afraid to be greedy so soon), and it was approved! So now I can be certain that my utility will stay in my goal area next month. I've read on here a few times "ask & you will receive". I just never thought it could happen so soon. My limit should be nice when I leave the garden. Thanks to all who post their experiences, giving people like me the courage & guidance to rebuild the right way!

Congrats on your CLI

Re: Macy's CLI in 9 days!

anca21bi — Thu, 13 Mar 2014 02:52:03 GMT

This makes me want to give it a go too on a CLI for Macys. Is it a SP?

Re: Macy's CLI in 9 days!

asphaltcowboy — Thu, 13 Mar 2014 02:56:43 GMT

Congrats on the Macy bump!

Re: Macy's CLI in 9 days!

mattayy — Fri, 14 Mar 2014 14:16:37 GMT

Don't be afraid to ask for more with Macy's via chat. I went from the $100 limit (applied online) called and verfied info and was bumped to $1k. Then two weeks later asked to double to $2k which was approved then a week later asked for $5k approved and then a few days after that asked for $7.5k and was approved! Tried again a few weeks later but that was as high as they were going to let me go at this time lol I am happy though.

Didn't have much luck with Bloomies, they kept me at $800 but oh well.

Re: Macy's CLI in 9 days!

mattayy — Fri, 14 Mar 2014 14:17:03 GMT

Also they were all SP's for me.

Re: Macy's CLI in 9 days!

mrvoicelc — Sat, 15 Mar 2014 02:48:36 GMT

Congrats on the increase and being motivated to ask!