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Another Wayfair approval and CLI

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Anonymous
Not applicable

Another Wayfair approval and CLI

So we recently moved and my wife wanted a new $2000 dining room set. Last night, I looked at Wayfair's financing deals and $100 off promo so I decided to apply for a professional account and a credit card. I was auto approved for $900. Cool, I guess. But the dining room set is $2000. So I called today and asked for a credit line increase. Rep asked me how much I wanted and I said "$2000 would be great". Silence ensued for a few moments and I hear the rep say "wow! You are being offered a $4000 credit line!". Of course, I took it. And I'm taking advantage of their 12 months 0% APR deal.

 

I immediately look up what other cards I have that would soft pull for CLI's and got my Blaze card from $350 to $1000 and Capital One Savor from $750 to $1500.

 

I guess I'm finally in a spot where I have decent credit again. January 8th marks my 2 year BK 7 discharge date. I'm going to garden until then and try to see if I can get some of the rewards cards or cash back cards I've really wanted.

 

I cannot say enough how much this community has helped me in this process. My scores were high-400's right after my BK. Now they range between 640 and 690 and with a good sized file. 

Message 1 of 12
11 REPLIES 11
AllZero
Mega Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLIs!

Message 2 of 12
CreditAggie
Community Leader
Super Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLIs!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (June 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 12
mrcraft
Valued Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLI!!



Message 4 of 12
KLEXH25
Valued Contributor

Re: Another Wayfair approval and CLI

Congrats on all your hard work!



Message 5 of 12
M_Smart007
Legendary Contributor

Re: Another Wayfair approval and CLI

Message 6 of 12
SunriseEarth
Moderator Emeritus

Re: Another Wayfair approval and CLI

Success!   Congratulations on approval and CLI!  Promotional financing is definitely a great thing to have. 



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $49600 | Discover IT $46000 | Venmo VS $30000 | Cash+ VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22,000 | Citi Custom Cash MC $16600 | Jared Gold Card $16000 | Freedom Flex WEMC $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Belk MC $10000 | Wayfair MC $4500 | Sephora VS $4400 ~~
Message 7 of 12
gdale6
Moderator Emeritus

Re: Another Wayfair approval and CLI

Grats to your success with Wayfair Smiley Happy
Message 8 of 12
coreyb80
Super Contributor

Re: Another Wayfair approval and CLI

Congrats on the approval and CLIs!

Message 9 of 12
Meanmchine
Super Contributor

Re: Another Wayfair approval and CLI

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 10 of 12
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