Successful APP spree heading into to the new Year!! I also did CLI on 3 Synchrony accounts. Ive read that most people agree that syncrony can be strange when it comes to usage and CLI, They giveth and taketh away in one key stroke, I went for it anyway.
FNBO Evergreen - SL 14000
SoFi Worldwide MC - 8000 SL
Apple Card - 6500 SL
Citi DBL Cash - 14,600 SL
Amazon Prime w/ Chase - 5600 SL
Discovery CLI - 1k SL to 2500K - Account started at 200 SL secured, graduated after a year to 1k.
Synchrony CLI's Ashley Furniture 600 - 1900, Living Spaces 1900- 5900, AAMCO 1000 - 3500
The darkside of my spree was the limited CLI from Cap One, I realize (thanks to this forum) my two Cap One accts are
bucketed. I shouldn't expect much growth. I obtained these cards when my scores where low 600's
CAP ONE QS - CLI 750 - 850
CAP ONE PL- CLI 300 - 400
Hope to eiminate these CAP One cards along with other low SL cards with growth of new cards over time.
Now off to the garden til late 2023 early 2024. Unless AMEX comes a calling. Dream cards AMEX Gold, Plat or BCP. Already in AMEX family with Delta Gold
Data Points at time of Spree:
738 TU / 724 EQ / 699 EXP
4% Usage
19 Inquries on EXP, 15 to fall off 3/22. 10 Inquries on TU, 8 to fall off 3/22. 7 Inquries on EQ, 5 off 3/22
Happy New Year!!!
Starting Scores (11/20/2017): EQ 533 | EX 540 | TU 543
Current Scores (10/26/2021): EQ 729 | EX 689 | TU 739
>Goal Score: 800
"Learning and evolving on my credit journey"
