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My rebuild story :)

Community Leader
Super Contributor

Re: My rebuild story :)

How long have you had your existing Barclay card for?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 81 of 279
Established Contributor

Re: My rebuild story :)

18 months. Side note, is there a time length for asking for another CLI on the one I have now. Just curious. And what card would you recommend for the 2nd one.
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 82 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

That should be enough history for them, at worst you may have to recon. CLI request will be a HP 99% of the time and I would ask every 6-12 months.

On the 2nd card it would depend what you spend on and what rewards would benefit you. Do you want travel or cash back?
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 83 of 279
Established Contributor

Re: My rebuild story :)

I have there rewards visa platinum already. Not sure about travel. Is the U.S. air one good, and is that going to citi? I see upromise pop up when paying my sallie Mae loans. lol
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 84 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


Deltadog03 wrote:
I have there rewards visa platinum already. Not sure about travel. Is the U.S. air one good, and is that going to citi? I see upromise pop up when paying my sallie Mae loans. lol

Sallie Mae is a good card! Depending on your spend the normal Sallie Mae card may be better than the Upromise mastercard though. Take a look at the rewards Smiley Happy 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 85 of 279
Established Contributor

Re: My rebuild story :)

Will do. Do you think I have a shot at either of them? I wish I had a shot at Amex since my EX score is higher. Lol but don't want to waste inq 

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 86 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Hit the luv button on my Quicksilver and got a $400 CLI Smiley Happy $5k to $5,400 lol

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 87 of 279
Established Contributor

Re: My rebuild story :)

LOL...nice!!!  They keep telling me this:

A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 88 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Mine was always something about not spending enough.. Put like $200 through it, PIF and hit luv button haha! I guess it's better than nothing

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 89 of 279
Established Contributor

Re: My rebuild story :)

Very true!  I ask a few times a month.  Lately its been like 1-2 a week..lol...its only a SP and the weird part is I don't even get my FICO score anymore...*even if its an old report*  LOL

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 90 of 279