Congrats on your increases!
@IFtkkdx428 wrote:Like clockwork, I request credit limit increases with lenders who allow this via 'soft pull' request. This time, Capital One and Discover happened to grant a credit limit increase.
Capital One
Original Credit Limit: $6,250
Granted Incease Amount: $2,000
Total Credit Limit: $8,250
Discover
Original Credit Limit: $28,500
Granted Increase Amount: $4,000
Total Credit Limit: $32,500
Capital One last granted a credit limit increase in March of 2018. Same with Discover, last granted credit limit increase was in March of 2018. I find Discover quite comical. Up until I was approved for a Chase Sapphire Reserve for $29,900, Discover was no longer the highest limit. Discover has been the highest limit for almost the past year I believe. Discover noticed how generous Chase was and had to 'one up' Chase and offer $30,000+. Kidding of corse, but I'd like to think that's what happened!
Except for inquiries, below does not include the Citi Bank Double Cash that was approved for $9,200 on 9/11/2018 and the Chase Sapphire Reserve that was approved for $29,900 on 9/24/2018. It also does not include updated utilization and credit limit from recent credit limit request for Capital One with a $8,250 credit limt and Discover with a $32,500 credit limit.
Age: 26
Annual Household Income: $100,000 Monthly Rent/Mortgage Payment: $0 TU FAKO (Provided by Credit Karma on (9/30/18): 798
TU FAKO (Provided by Capital One on 10/2/18): 798
TU FAKO (Provided by Chase on 10/3/2018): 798
EQ FAKO (Provided by Credit Karma on 9/30/18): 798
TU FICO Score 8 (Provided by Discover on 9/4/18): 769
EQ FICO Bankcard Score 02 (Provided by Huntington on 9/11/18): 776
EX FICO Score 8 (Provided by AMEX on 9/12/18): 776
EQ FICO Score NG 2 (Provided by PenFed on 9/11/18): 789
Credit Card Utilization Rate: 1% Percent of On Time Payments: 100%
On Time Payments: 334
Total Payments: 334
AAoA: 3 YR 11 MOS
Oldest Open Trade Line: 5 YRS 8 MOS
Newest Open Trade Line: 2 YRS 5 MOS
Total Accounts: 8
Total Credit Limit: $79,550
TU Inquiries: 1
Chase - 9/22/2018
EQ Inquiries: 1
PenFed - 3/12/2017
EX Inquiries: 3
Synchrony Bank - 9/24/2018
Chase - 9/24/2018
Citibank - 9/11/2018
Derogatory Marks: 0
Current Credit Cards
Capital One Quicksilver Mastercard
APR: 26.65%
Credit Limit: $6,250
Card issued: Jan/2013 Credit Card Utilization Rate: 16%
Chase Freedom Visa
APR: 20.74%
Credit Limit: $4,500
Card Issued: Jan/2014
Credit Card Utilization Rate: 0%
Barclaycard Rewards Mastercard
APR: 22.74%
Credit Limit: $7,100
Card Issued: July/2014
Credit Card Utilization Rate: 0%
American Express Blue Cash Everyday
APR: 17.74%
Credit Limit: $22,200
Card Issued: Nov/2014
Credit Card Utilization Rate: 0%
Huntington Voice World Mastercard
APR: 19.74%
Credit Limit: $3,500
Card Issued: Nov/2014
Credit Card Utilization Rate: 3%
Discover It
APR: 16.74%
Credit Limit: $28,500
Card Issued: May/2015
Credit Card Utilization Rate: 0%
PenFed Promise Visa
APR: 15.74%
Credit Limit: $7,500
Card Issued: June/2015
Credit Card Utilization Rate: 1%
Honda Financial
Lease
Opened: 4/30/2016
Term: 36 Months
Congrats. Great data points
Congrats on the CLIs and approval!
Congratulations on both CLIs!
