@ohreally7654 wrote:
CLIs are especially nice when they're a SP!
Approved:
1) I finally got rid of that weird $437 limit on my Sam's Club! Approved increase from $437 to $3500
2) Frontgate $500--$900
3) Walmart $3500-$5K (I'm sure I left money on the table, as they gave me what I asked for. I will inquire on another increase again in a few weeks)
The following still will not budge on limit increases:
1) Phillips 66
2) Banana
3) JcPenney
Interesting data point here-- like others on this board, I've experienced the disappearing/reappearing inquiries on TU. End of last week, CK reported I went from 33 inquiries to 0. A day later they were back on again. This morning, CK, Credit Sesame and Credit Tracker are all showing them back off again. So, I decided to call this morning on my Walmart card to see about an increase. They gave it to me, whereas Phillips 66, Banana, and JcPenney were all denied just a few days ago. It could just be a coincidence (hard to know for sure if these inquiries are showing up on Fico models), but I'm going to call again later and try my Athleta card and perhaps try again with the cards that were declined for CLI's a few days ago. I'll report back!
ETA: I just tried Athleta--I've only had this card since April. I tried unsuccessfully, fairly recently, to get it above $500 SL. No dice. Just called a few minutes ago. Asked for $3500. Approved! Clearly I left money on the table. Again LOL! Now I'm really wondering just how big of a boost having no inquiries has given my score.
Here are my final results after calling on the rest of my Synchrony accounts:
1) Phillips 66- CLI from $500 to $3500
2) JcPenney- CLI from $200 to $3500
3) Banana- CLI from $300 to $3500
4) Chevron- CLI from $500 to $2500
5) Amazon - CLI from $3500 to $6000
None of these would move even just one week ago. Very happy with the results! Huge thank you to this community for all of the invaluable guidance and to TU for wigging out and deleting my inquiries! LOL!
Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
