Hey everyone! To start us off, I just recently subscribed for the Fico Ultimate reporting! I feel more in control already!
First off, my Discover card I have had for about 2 years has been stuck at a $2,000 limit. I recently paid it off and let it sit for a statement balance after charging only $15 on it. Asked for a CLI - got $300. LOL. Better than nothing I guess?
Next - I have to buy the GF some nice jewelery soon, so I figured I would apply for a kay jewelers card. Used the preapproval site and went for it. Instant approval for $3500. After I received the card, I use the online CLI button and got an increase to $4,000. Logged out and logged back in for another increase to $4,500!
I have had my overstock card for about 2 years and it NEVER moved. It has been stuck at $650. So I decided to hit the luv button and it increased to $1,350! Logged out and logged back in and got it up to $2,250!!
We also need new furniture and we like the stuff wayfair sells - so I did the SCT, got a preapproval, threw in my info - figured I would get a crappy limit like $500 or $600..... BAM! Instant approval for $3,500.
Still can't get an increase on my walmart card I have had for over a year. Right now its paid off and has been for about 3-4 months. Credit score has gone up since I got it. Any advice?
As of August 22nd, I am officially 2 years post BK7. Next 6 months are going to be gardening and saving up some more $ to get a house!
Scores were higher at the end of July, but I went to get a new car and they ran it like 5-6 times -_- (didn't get approved for the car because I am self employed and they didn't like what I had to show them for income).
Those are awesome CLI!
Love the info here in the forums. I often stump “credit experts” people with the knowledge I’ve learned here.
Now go put 6 month dates on your calendar to request another CLI! 😉
Congrats on your successes! Have you seen this thread?