A little LUV all around (Comenity, Synch, TD)

MrsCHX · ‎01-03-2017

My rebuild began in February 2016. All but one card in my signature was added in 2016. Yes, I got app happy. I've stopped now

My Target card was bumped to $2,000 ($300 to $800 to $1300 to $2k in 3 month intervals, regardless of usage, balances reported. It's been all over the map for each increase).

Walmart card from $150 to $400

Amazon from $700 to $900

No love on TJ Maxx

This prompted me to hit the luv button on my comenity cards.

Ann Taylor $250 to $500 (then the red box)

VS $350 to $550 to $750 (2x then the red box)

No love on Pier 1 or J.Crew

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100

CreditMagic7 · ‎01-03-2017

Congratulations with those.

It's a slow crawl getting up that ladder but every bit helps. You know that.

I remember when the best i could muster was a 750 Victoria Secret card and a few others but Synchrony wouldn't blink.

Don't let that spook ya'.

It's a matter of just working those current cards like you done and doing whatever it takes to LIFT the highest score bureau's all you can then target Lenders who pull that specific CRA and climb, climb, climb.

I know, i been there

AverageJoesCredit · ‎01-03-2017

Very nicely done! Looks like your well on your way towards the mythical Target Mastercard

Anonymous · ‎01-03-2017

@MrsCHX wrote:
My rebuild began in February 2016. All but one card in my signature was added in 2016. Yes, I got app happy. I've stopped now

My Target card was bumped to $2,000 ($300 to $800 to $1300 to $2k in 3 month intervals, regardless of usage, balances reported. It's been all over the map for each increase).

Walmart card from $150 to $400
Amazon from $700 to $900
No love on TJ Maxx

This prompted me to hit the luv button on my comenity cards.

Ann Taylor $250 to $500 (then the red box)
VS $350 to $550 to $750 (2x then the red box)
No love on Pier 1 or J.Crew

I have a target card & I shop there a lot! But they started me with only $300. My 3rd statement will cut any day now & I'm hoping they'll increase the limit! Congrats on the increases though!

Anonymous · ‎01-04-2017

Target seems strange. There are 2 store cards I would consider adding and Target is one-but I read so many people get stuck at $300 or $500 even with good scores and usage-so I have not done it.

Reading this it makes me want to. But I probably won't. Were they CLI based on the button or auto?

Congrats on your Increases. Nice way to start off 2017

washpadude · ‎01-04-2017

@Anonymous wrote:
Target seems strange. There are 2 store cards I would consider adding and Target is one-but I read so many people get stuck at $300 or $500 even with good scores and usage-so I have not done it.

Reading this it makes me want to. But I probably won't. Were they CLI based on the button or auto?

Congrats on your Increases. Nice way to start off 2017

Target has no button, it's just watch and wait.

BK CH7 Discharged 03/2015
FICO8 EQ-657 TU-657 EX-665
Revolving credit lines 125k.

MrsCHX · ‎01-04-2017

@washpadude wrote:
@Anonymous wrote:
Target seems strange. There are 2 store cards I would consider adding and Target is one-but I read so many people get stuck at $300 or $500 even with good scores and usage-so I have not done it.

Reading this it makes me want to. But I probably won't. Were they CLI based on the button or auto?

Congrats on your Increases. Nice way to start off 2017
Target has no button, it's just watch and wait.

+1 No button for Target. It *seems* that they are just making changes in the last year or so.

I had a Target card for over 2 years in around '08-'09 and it never moved from $200. I paid it off and closed it. I shop at Target at least 2-3 times a week and $200 was an annoyance. You can barely use it without needing to make weekly payments!

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100

MrsCHX · ‎01-04-2017

Fingers crossed for you!

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100

MrsCHX · ‎01-04-2017

Thanks CM!

I know I have to be patient and wait it out. I have 1 collection on EQ and none on EX or TU. But I have 2 judgments. One due to fall off this June and one next February. 90% of my inquiries from the rebuild will be gone by April 2018. So I will keep up my good payment history and ride out the next year or so and be in a great place!

When I was about 26 I had scores 750+ across the board. I did not understand or appreciate it enough!!!

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100

Anonymous · ‎01-04-2017

I opened my Target Card 15 months ago with SL $300. Today its stitting @ $3600. All auto CLI and no HP