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AJC I'm sorry it took me so long to post this: December 2015 I had no fico score. CK scores were TU 0 and EQ 584. I got a Capital One secured card. It reported and my scores were TU 666 EQ 698. February I got a Discover card with a $1000 SL. I never received an auto CLI and in June I used a HP for a $500 CLI. I received 3 more increases then they stopped. July 2017 I had enough and closed the card. Was offered 12 months of 0% to keep it open. I was just done. After closing on my house in late March this year I got my 2nd Disco card. SL $5000 with 0% for 14 months with the cashback match. My wife also got one with $5500 SL. At the time my scores were 790's with 1 mortgage inquiry and no new accounts in the last year. I got a disappointing 16% APR but my wife got shafted pretty good with 20 something%. Her scores were in the 800's. She also had 1 mortgage inquiry and no new accounts in the last year. Our 3rd statement cut and a few days later we both got auto increases. Mine $1300 and hers $1400. The next morning DW got the DD for another $500. I screwed up my DD the night before and ended up losing it. I have a thread about it. Anyway first card clearly bucketed with no love. Second card with excellent credit getting fast love after only about 10 weeks in.
@joltdude wrote:if your aiming for an auto-cli. it doesnt always (or usually) IMHO happen on the statement cut.. usually in the few days to a week after.
You can always hulksmash the CLI button at that point....but id give it 3 days, more if its over a weekend from the statement cut date
+1
Just experienced this. Day of my statement cutting I hit the luv because I thought I didn't get an auto. Then I DD'd. Apparently I had an automatic CLI of $500 scheduled, which was less than what I had DD'd and the system over ruled it down to it's one few days later. I ended up getting it rectified, but definitely best to wait a few days after the statement cuts to see if the system has one to prevent having to make an extra phone call.
I hope this wasn't already covered and I missed it -but just in case it was not- I will post the link. The link is a little old but the concept remains the same. I was thinking I would like a second “It” Card but was hoping to maximize the grocery store catagory because I can get cigarettes and maximize the bonus. I was hoping to double dip my favorite category in two different calander years. I was trying to figure out the best time for a second application so I was looking for the 2019 catagories.
My First Discover It cashback credit card was approved on 8-11-2017 with $8000sl now at $12,000sl. Today 8-5-2018, just shy of one year, checked Discovers preapproval web site and was preapproved for two cards (cashback and chrome). Since I already have the cashback decided on the Chrome. Instant approval with $3000sl. Since my first approved Discover It cashback was higher, I called reconn and it was a NO, must wait 3 months before they will consider an increase. I will wait 3 months than try for a CLI.
Also, the application verbage stated it would be a hard inquiry with TU but I received notification from my credit monitoring service that Discover requested credit file from EX.
Discover Chrome Offers:
2% cash back on gas and restaurants on up to $1,000 in combined purchases each quarter.
Plus 1% cash back on all other purchases.
Cashback Match all of the cash back earned at the end of your first year.
0% Intro APR for 14 months on purchases & balance transfers, 3% fee for each balance transfer.
APR is 24.74%, high but will pif.
EQ8 – 708 – Inq. 21
TU8 – 727 – Inq. 16
EX8 – 728 – Inq. 25
New Accounts in the last year (8-2017 to 8-2018) - 28
@AverageJoesCredit wrote:
Thanks Rosey, nice job, wholey cow 28 accounts in one yearChasing the 5/24
Lol, It took me 2 years fixing my credit. My score than was 508 and had 1 bank card and some store cards. My goal was once I reached high 600's, go on app spree and built a thick file in 1 year. Back than I didn't know about Chase 5/24 but I do have Freedom, Freedom Unlimit and Chase Amazon Rewards Card). I now have 20 bank cards. Yes, score increased but my AAoA took a big hit Now, since the year is up, I am inviting myself into the Garden.