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Commenity Wayfair & Overstock 2X CLI

James_A
Valued Contributor

Commenity Wayfair & Overstock 2X CLI

I'm on a roughly two month cycle with both Wayfair and Overstock. Opened the cards on 5/25/2018 @ $1000 and $500 SL respectively. Today's bumps -- 2K done twice, each card (online) -- brings new CL to 11K and 10.5K.

 

Previous CLIs, for both cards, were on 7/14 (1500 x 2) and 9/20 (1500 x 2). 

 

Today's TU Fico 08 is 752. Apped the cards at 642, 1st CLI at 680'ish, 2nd CLI at 720'ish. I rarely use either card (total spend maybe $100 each). Interestly, OS had just sent me a 21% off total order coupon, if charged to the card. Maybe I'll buy something now.

 

Edit: All CLIs have been SP.

 

 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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Message 1 of 8
7 REPLIES 7
xaximus
Valued Contributor

Re: Commenity Wayfair & Overstock 2X CLI

Congrats on the CLIs!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 2 of 8
RonM21
Valued Contributor

Re: Commenity Wayfair & Overstock 2X CLI

Congrats! You made nice progress in short time bringing those limits up.
                

Total CL: $304.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-11.7k | CHASE-10k

Message 3 of 8
FinStar
Moderator

Re: Commenity Wayfair & Overstock 2X CLI

Very great progress and decent CLIs on both cards OP. Congrats on the achievements!
Message 4 of 8
James_A
Valued Contributor

Re: Commenity Wayfair & Overstock 2X CLI


@RonM21 wrote:
Congrats! You made nice progress in short time bringing those limits up.

Thank you, Ron. And yes. These were the 1st cards apped shortly after joining here so I will always have a fondness for them, even it's only to look at them. It wasn't 100% I was going to be approved either -- total utilization was around 85% at the time. I was GRATEFUL for that 1500 additional tradeline. 

 

Thank you X and Fin -- you both are always so positive and encouraging. Your words have effect.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 5 of 8
CashBackQueen
Frequent Contributor

Re: Commenity Wayfair & Overstock 2X CLI

Congrats! Were those soft pull increases?
BK7 DC 1/2/18 • Progress as of 3/22/21:


TCL: $40,600 • UTIL: 2% • AZE2
Message 6 of 8
James_A
Valued Contributor

Re: Commenity Wayfair & Overstock 2X CLI


@CashBackQueen wrote:
Congrats! Were those soft pull increases?

Thank you, CBQ. 

Yes, all SP -- sorry for not making that important point clear. The OP is now updated. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 7 of 8
19eighty5
Senior Contributor

Re: Commenity Wayfair & Overstock 2X CLI

Congratulations on your CLIs!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 8 of 8
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