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A few CLIs--thanks Synchrony and Comenity!- (Updated)

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ohreally7654
Established Contributor

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Thanks so much everyone! 

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
Message 11 of 18
BCINS
Valued Member

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Congrats on ur CLI'S 

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500
Message 12 of 18
Anonymous
Not applicable

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Congrats! How long did it take to get the increase on Frontgate?

Message 13 of 18
ohreally7654
Established Contributor

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Thanks! I got the card in November 2015. Used once and PIF. So about 8 months before I saw my first increase on the card. 

 


@Anonymous wrote:

Congrats! How long did it take to get the increase on Frontgate?


 

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
Message 14 of 18
Anonymous
Not applicable

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Oh ok i might try at the 6 month mark and see what happens. It took 4 months for my J.Crew card to see it's first increase from 250 to 450. How long did it take you to get the multiple increases on yours? i heard the golden rule is 7 months

Message 15 of 18
Anonymous
Not applicable

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)


@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. 


Congratulations on your CLIs.  Did you call CS for your Athleta CLI?

Message 16 of 18
Grafton88
Established Contributor

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Congrats on your increases.Smiley Happy

Message 17 of 18
Vegas4Play
Valued Contributor

Re: A few CLIs--thanks Synchrony and Comenity!- (Updated)

Congrats to you !!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 18 of 18
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