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CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

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New Contributor

CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

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. 

 

Message 1 of 6
5 REPLIES 5
Valued Contributor

Re: CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

Congrats. Very nice SL on the Venture.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 2 of 6
Valued Contributor

Re: CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

Congratulations on two good approvals and already a CLI in Chase!!
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 3 of 6
Established Contributor

Re: CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

Excellent.

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.

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 659, EQ 696, TU 739 (02/24/2018)
1st Goal Ficos: EX 700, EQ 700, TU 750 (12/31/2018)
~~~Credit lines~~~~
BofA Platinum Plus: $2000
Capital One Platinum: $500
Discover It: $10,500
Chase Freedom Unlimited: $6400
Home Depot: $500
BofA Cash Rewards: $1500
Lowe's: $1000

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 4 of 6
Community Leader
Mega Contributor

Re: CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)

CongratsSmiley Happy. With your history and income im blown away by your Discover limit. Whats the story there?
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 6
New Contributor

Re: CSP CLI $6500 & Approved Cap1 Ven1 $20k (0% for 12 mos)


@AverageJoesCreditwrote:
CongratsSmiley Happy. 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. 

 

Go figure. 

Message 6 of 6
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