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My card is now 1 year old, PC'ed from a Journey. I'm so excited about the $100 CLI that I received today to make a whopping $850 CL...what a massive increase...not.
What were your scores like when you first got the card? When did you PC it and how were your scores when you PC'd?
I didn't even generate a FICO score at the time. Scores were about 720-ish when I PC'ed about 4 months in. SL was $300.
I hate that these sub-prime accounts are credit card backed securities! I, like many others, don't want to open new accounts, which lower our AAoA, give us a triple pull, and a new account we don't want just to eventually combine after 6 months. But, business is business and at least I'm improving the risk of some investor's portfolio...
You have a young file and had no scores when you applied and were given a small starting limit. I know it isn't the CL you want (I have the same limit and started with the same limit as you, but my card is 3 years old), but you have almost tripled the limit of the card in one years time. While I won't necessarily say you are stuck at that limit, I don't foresee the card ever becoming a large limit. If you applied for a new card you would likely get a higher SL and you can always combine the CL and keep the history of the older card.
@Anonymous wrote:You have a young file and had no scores when you applied and were given a small starting limit. I know it isn't the CL you want (I have the same limit and started with the same limit as you, but my card is 3 years old), but you have almost tripled the limit of the card in one years time. While I won't necessarily say you are stuck at that limit, I don't foresee the card ever becoming a large limit. If you applied for a new card you would likely get a higher SL and you can always combine the CL and keep the history of the older card.
I don't think it will ever surpass a few k either (even over the course of many years that is). I just don't want a new account that I don't even want on my report to drag down AAoA, even when it becomes closed. Oh well, ain't nothing I can do otherwise.
@Anonymous wrote:My card is now 1 year old, PC'ed from a Journey. I'm so excited about the $100 CLI that I received today to make a whopping $850 CL...what a massive increase...not.
What was your balance on your card at the time of your CLI?
$185.94 is my current balance.