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BoA -15k Bump to 50K!

RonM21
Valued Contributor

Re: BoA -15k Bump to 50K!


@RickNATL wrote:

That's going to be my next attempt. Congrats!!!


Sounds good! I look forward to reading your success/approval in the future Smiley Happy

                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 21 of 37
MartyWrite75
Valued Contributor

Re: BoA -15k Bump to 50K!

Wow!  Congratulations on your CLI! 

September 2021: Experian 717 Equifax 705 Transunion 725


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 (Sock drawer) || Discover It: $4,900 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $7,550 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor || Citi Custom Cash

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 9%
Inquiries: Exp: (4) Trans: (1) Equif: (0)
Message 22 of 37
CreditAggie
Senior Contributor

Re: BoA -15k Bump to 50K!

Congratulations on your BofA CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 23 of 37
coreyb80
Senior Contributor

Re: BoA -15k Bump to 50K!

Congrats on the nice increase!

Message 24 of 37
Marz2002
Senior Contributor

Re: BoA -15k Bump to 50K!


@RonM21 wrote:

@Marz2002 wrote:

@RonM21 wrote:

@Marz2002 wrote:

, your 'shot in the dark' gave me a Road Map to getting a shot at $50K with the Cash Rewards VISA (once I apply and get approved in 2021). 

 

Yes, the Steelers are struggling right now, but I believe they will turn it around in time for the NFL Championship Game in February!


Cool! Well best of luck to you in '21 on this card! I have full confidence you will be successful in your goals with this card, and in other goals. Using this site and the helpful info from the people on here has been gold for me. I'd like to think that I eventually helped others as well along the way once I learned a lot and was on here very heavy for a period of time. 

 

And, I hope you are right on them Steelers Smiley Wink


, Thanks for the vote of confidence!!

 

I agree with you about the FORUMS. Before I started my Credit Rebuild in April 2018, I had given up on credit cards (aftermath of the 2009 Great Recession) and decided to use Debit cards or cash for purchases. Then, in January 2016 I decided to apply for the No Credit Check Secured OpenSky CC to protect my Debit card from online purchases.  That card is the foundation for my April 2018 Rebuild project. As you can see in my Signature, I have learned a lot since then. It's been quite a journey, but I wouldn't have been successful without the information shared by myFICOers each and EVERY DAY!!

 

THANK YOU myFICO family!!! Smiley Very Happy

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 25 of 37
Mr_Mojo_Risin
Senior Contributor

Re: BoA -15k Bump to 50K!

Man you've sure had a good run with that CC!! Congratulations on the massive success you've had with it!!

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 26 of 37
Mr_Mojo_Risin
Senior Contributor

Re: BoA -15k Bump to 50K!


@Marz2002 wrote:

@RonM21 wrote:

@Marz2002 wrote:

@RonM21 wrote:

@Marz2002 wrote:

, your 'shot in the dark' gave me a Road Map to getting a shot at $50K with the Cash Rewards VISA (once I apply and get approved in 2021). 

 

Yes, the Steelers are struggling right now, but I believe they will turn it around in time for the NFL Championship Game in February!


Cool! Well best of luck to you in '21 on this card! I have full confidence you will be successful in your goals with this card, and in other goals. Using this site and the helpful info from the people on here has been gold for me. I'd like to think that I eventually helped others as well along the way once I learned a lot and was on here very heavy for a period of time. 

 

And, I hope you are right on them Steelers Smiley Wink


, Thanks for the vote of confidence!!

 

I agree with you about the FORUMS. Before I started my Credit Rebuild in April 2018, I had given up on credit cards (aftermath of the 2009 Great Recession) and decided to use Debit cards or cash for purchases. Then, in January 2016 I decided to apply for the No Credit Check Secured OpenSky CC to protect my Debit card from online purchases.  That card is the foundation for my April 2018 Rebuild project. As you can see in my Signature, I have learned a lot since then. It's been quite a journey, but I wouldn't have been successful without the information shared by myFICOers each and EVERY DAY!!

 

THANK YOU myFICO family!!! Smiley Very Happy


Very well said!! The members here are priceless. It's hard to explain how much I've been helped by many members here! Greatly appreciated 🙏

NFCU More Rewards 28K CL
AODFCU Visa Signature 5K CL
Citi Custom Cash 4.5K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 27 of 37
Marz2002
Senior Contributor

Re: BoA -15k Bump to 50K!


@Mr_Mojo_Risin wrote:

@Marz2002 wrote:

@RonM21 wrote:

@Marz2002 wrote:

@RonM21 wrote:

@Marz2002 wrote:

, your 'shot in the dark' gave me a Road Map to getting a shot at $50K with the Cash Rewards VISA (once I apply and get approved in 2021). 

 

Yes, the Steelers are struggling right now, but I believe they will turn it around in time for the NFL Championship Game in February!


Cool! Well best of luck to you in '21 on this card! I have full confidence you will be successful in your goals with this card, and in other goals. Using this site and the helpful info from the people on here has been gold for me. I'd like to think that I eventually helped others as well along the way once I learned a lot and was on here very heavy for a period of time. 

 

And, I hope you are right on them Steelers Smiley Wink


, Thanks for the vote of confidence!!

 

I agree with you about the FORUMS. Before I started my Credit Rebuild in April 2018, I had given up on credit cards (aftermath of the 2009 Great Recession) and decided to use Debit cards or cash for purchases. Then, in January 2016 I decided to apply for the No Credit Check Secured OpenSky CC to protect my Debit card from online purchases.  That card is the foundation for my April 2018 Rebuild project. As you can see in my Signature, I have learned a lot since then. It's been quite a journey, but I wouldn't have been successful without the information shared by myFICOers each and EVERY DAY!!

 

THANK YOU myFICO family!!! Smiley Very Happy


Very well said!! The members here are priceless. It's hard to explain how much I've been helped by many members here! Greatly appreciated 🙏


Thanks , I agree with you - the knowledge that we have access to on these Forums is PRICELESS!! Smiley Very Happy

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 28 of 37
JNA1
Valued Contributor

Re: BoA -15k Bump to 50K!


@RonM21 wrote:

@gdale6 wrote:

Wow, from a 1k starter to 50K, excellent and a big grats to you Smiley Happy


But then again, the whole journey has been unbelievable really. I'm sure many can relate. 


I can relate to that! Around a a year and a half ago I was looking on Capital One's Creditwise site and I saw a column that said "Available Credit" and my rating was listed as "Average". At the time my total CL was $8000. After looking closer at it, I saw that you needed $50K of total credit to be considered "Excellent".  I remember thinking "Why in the world would I ever want that much credit, and how would I get it, if I did??" I started aggressively seeking CLIs on my cards I had at the time, then I found this place. Now my total CLs are over $140K and DW (who had never had any cards before) has nearly $35K in total CL. 

Like you, I'm blown away at the journey! 

My credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $266,950
Cash Back and SUBs earned as of 6/1/21- $6336.35

CU Memberships

Goal Cards:


Message 29 of 37
RonM21
Valued Contributor

Re: BoA -15k Bump to 50K!


@Mr_Mojo_Risin wrote:

Man you've sure had a good run with that CC!! Congratulations on the massive success you've had with it!!


It has been a good run for sure lol. One I didn't expect with this card early on, especially when this card needed HP's to get increases until a year ago or so. I'm amazed!

                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 30 of 37
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