I've benefitted from others sharing so I thought I would return the kindness.
Stats at time of App/Request
FICO8 --> TU = 731, Eq = 686, Exp= 691
Utilization = 49%, Limite $42,050
AAoA = 70 months
Length of history = 23 years
Inquiries --> TU=0, EQ=3, Exp=8. None in the past 6 months and only 3 in the 12 months.
Income = $150K
No cards in the past 12 months, 1 personal loan and 1 car loan in that time.
Cards --> CSR ($25.2K), CSP ($8K) Cap1QS ($8.25K), Disco ($600)
1. CSP - Called in for Credit Limit increase. Resulted in a hard pull and instant approval for $6500 bringing my total limit to $14,500
(Should I have asked for more?)
2. Cap1 Venture 1 - Cold app with no pre-approvals (it showed none available when I tried). Received a instant approval with SL of $20,000. Pretty thrilled as my cash is tied up for a while and the 0% is quite helpful.
Was actually pretty surprised by both as Cap1 denied every CLI request on my Cap1QS1 for the past year and I am using 75% of my total available credit at Chase.
My credit limit increased by 60% in one shot.
I have similar scores. Income is roughly 60k less than yours. Chase approved me for 6400 freedom unlimited. Immediately apped for CSP. Waiting for 2 weeks to see what happens.
Enjoy your fresh CLIs.
Good luck to you.
Congrats. With your history and income im blown away by your Discover limit. Whats the story there?
I am not sure whats going on with Discover. At the time I apped my lowest Credit Limit was $8k for the CSP.
I had two new cards in the previous 3 months. Thats it. I think my fico was high 600's.
My SL was initially $1000. They randomly dropped it to $600.
This was a year ago. Discover wont give me a CLI. Every so often I transfer the full $600 and pay it off. Still nothing,.
I try for a CLI every month. Also, they seem to use my TU score in California which is my highest at 730+. Last month they refused to increase from $600 but CSP gave me a $6500 limit increase and Cap1 gave me a $20k card.