cancel
Showing results for 
Search instead for 
Did you mean: 

Another Wayfair approval and CLI

Highlighted
Established Member

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
Highlighted
Super Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLIs!

Message 2 of 12
Highlighted
Valued Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLIs!



Current FICO 8:

Credit Age (EX/TU):

Inquiries:


Message 3 of 12
Highlighted
Established Contributor

Re: Another Wayfair approval and CLI

Congratulations on your approval and CLI!!







Message 4 of 12
Highlighted
Valued Contributor

Re: Another Wayfair approval and CLI

Congrats on all your hard work!





Message 5 of 12
Highlighted
Mega Contributor

Re: Another Wayfair approval and CLI

Message 6 of 12
Highlighted
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: 799 (TU08, 8/05/20)
AMEX Cash Magnet $49000 | BofA BBR #1 $43900 | Discover IT $39000 | Uber VS $37000 | BoA BBR #2 $31100 | NFCU More Rewards AMEX $25000 | Sam's Club MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $25000 | Cash+ VS $23500 | GS Apple Card WEMC $20000 | Altitude Go VS $19500 | Cap 1 QS WMC $17250 | Freedom VS $15000 | JCP $15000 | Sony Card $13250 | Target MC $13000 | WF Cash Wise VS $12,000 | Rakuten VS $12000 | Disney VS $10800 | Cap 1 SavorOne WEMC $10500 | Chase AARP $10000 | Amazon VS $10000 | Marvel MC $10000 | PPC $10000 | Blispay $7500 | Wayfair $4600 | Cash Back World WMC $3000 ~~
Message 7 of 12
Highlighted
Moderator

Re: Another Wayfair approval and CLI

Grats to your success with Wayfair Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 8 of 12
Highlighted
Valued Contributor

Re: Another Wayfair approval and CLI

Congrats on the approval and CLIs!

Message 9 of 12
Highlighted
Super Contributor

Re: Another Wayfair approval and CLI

Congrats !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>08/2020 CCT EX 830 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.