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Hey everyone! I'm a newbie here and have absolutely loved all the advice and reading through all the boards. This is my first post! ![]()
I've been working on rebuilding my credit in the last two years and my scores are increasing but still mid-600's. Anyways, I applied for a TJX Rewards card last week and only got approved for the store card for a limit of $250. After reading all the posts here, I called into Synchrony Bank (the number listed for Credit Solutions) and asked for a CLI. I haven't even gotten the card yet but given all the advice on here, thought it would be best to do it as early as I could. I told him I wanted $4k and he put me on hold to review my credit... came back after about a minute and said they couldn't do the $4k but countered at $2k. The guy I spoke too was extremely friendly and quick.
I never would've even had the guts to call and ask for a higher increase like that right off the bat, so I salute all of you here as it worked in my favor!
To give some insight to my current status - my scores are 665 EX, 662 TU, and 654 EQ.
Congratulations!!
Congrats OP!
| Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |










Thanks so much everyone!! I'm sure I'll be posting a bit more from now on too ![]()
Nice, congrats