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CLI Happy on Gap and Old Navy Store Cards

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CLI Happy on Gap and Old Navy Store Cards

In June I opened an old navy card ($400 limit) and Gap card ($250 limit). It's been about three months and Old Navy is now at $5,000 and Gap is at $6,000. All of my luck has come from utilizing the much talked about Chat feature. The love button almost always tells me no. I've even gotten some increases within 2 weeks of each other. All soft pulls.

 

FYI, I generally ask for a large amount and let them counter. I've carried a small balance on both (less than $100). I love these cards for helping with utilization!

 

 

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9 REPLIES 9
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Senior Contributor

Re: CLI Happy on Gap and Old Navy Store Cards

Nice this is awesome !!
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Moderator Emeritus

Re: CLI Happy on Gap and Old Navy Store Cards

Congrats on CLIs.

 

A bit off-topic, but why do you have both cards if they share a rewards program?  Are you using one for UTIL purposes?



Start: 619 (TU08, 9/2013) | Current: 793 (TU08, 2/20/20)
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 | GS Apple Card WEMC $20000 | Cash+ VS #1 $18500 | Cap 1 QS WMC $17250 | Cash+ VS #2 $15500 | Freedom VS $15000 | JCP $15000 | Target MC $13000 | Citi Rewards+ $12600 | WF Cash Wise VS $12,000 | Chase AARP $12000 | Sony Card $10250 | Amazon VS $10000 | Marvel MC $10000 | Cap 1 SavorOne WEMC $10000 | PPC $10000 | Disney VS $8800 | Blispay $7500 | Cash Back World WMC $3000 ~~
Message 3 of 10
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Valued Contributor

Re: CLI Happy on Gap and Old Navy Store Cards

Congrats on your success!
Message 4 of 10
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Valued Contributor

Re: CLI Happy on Gap and Old Navy Store Cards

Congrats to you !!!!!

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 5 of 10
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Established Member

Re: CLI Happy on Gap and Old Navy Store Cards

Yes, it's more for utilization. I app'd for the Old Navy Card first and since I was approved I figured I would also be approved for the Gap Card so I applied for it that same day. The limits were much lower than I thought I would have been approved for, so initially the utilization didn't help me as much as I had hoped it would. However, now it helps tremendously as the cards are both at a zero balance and usually paid off or paid down relatively low.

Message 6 of 10
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Valued Contributor

Re: CLI Happy on Gap and Old Navy Store Cards


@californiadreaming wrote:

In June I opened an old navy card ($400 limit) and Gap card ($250 limit). It's been about three months and Old Navy is now at $5,000 and Gap is at $6,000. All of my luck has come from utilizing the much talked about Chat feature. The love button almost always tells me no. I've even gotten some increases within 2 weeks of each other. All soft pulls.

 

FYI, I generally ask for a large amount and let them counter. I've carried a small balance on both (less than $100). I love these cards for helping with utilization!

 

 


Congratulations to you!...Thanks for sharing.Smiley LOL

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 7 of 10
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Moderator Emeritus

Re: CLI Happy on Gap and Old Navy Store Cards


@californiadreaming wrote:

Yes, it's more for utilization. I app'd for the Old Navy Card first and since I was approved I figured I would also be approved for the Gap Card so I applied for it that same day. The limits were much lower than I thought I would have been approved for, so initially the utilization didn't help me as much as I had hoped it would. However, now it helps tremendously as the cards are both at a zero balance and usually paid off or paid down relatively low.


Sounds like a good plan to me.   Having enough zero balances is often overlooked in people's UTIL strategies.  



Start: 619 (TU08, 9/2013) | Current: 793 (TU08, 2/20/20)
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 | GS Apple Card WEMC $20000 | Cash+ VS #1 $18500 | Cap 1 QS WMC $17250 | Cash+ VS #2 $15500 | Freedom VS $15000 | JCP $15000 | Target MC $13000 | Citi Rewards+ $12600 | WF Cash Wise VS $12,000 | Chase AARP $12000 | Sony Card $10250 | Amazon VS $10000 | Marvel MC $10000 | Cap 1 SavorOne WEMC $10000 | PPC $10000 | Disney VS $8800 | Blispay $7500 | Cash Back World WMC $3000 ~~
Message 8 of 10
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Valued Contributor

Re: CLI Happy on Gap and Old Navy Store Cards

+1. After heavy Care Credit activity I concur that my scores have stabilized, not much loss because I paid off a bunch of cards, but the overall debt increased. CareCredit shot up 80% util July/August.

I hope OP does well and gets the upgrades.
Open one, close three. Open one, close three.
Message 9 of 10
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Regular Contributor

Re: CLI Happy on Gap and Old Navy Store Cards

Congrats! Chat is it!

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