Re: Credit Limit Increases

denverguy67 · ‎11-28-2024

Happy Thanksgiving everyone!

Mercury Card increased my limit without my asking from $3500 to $4900 and then Synchrony increased by limit from $5700 to $8000 without my asking. My latest TransUnion FICO 8 score is 733, and they say my balances are too high. My overall utilization, before these increases was about 23%. I still owe about $7500 total which I am trying to pay down. I must be doing something right because I have a high enough score to be reliable so they think I will spend more.

Gardening since 4/22/25. Cards: PenFed $8750, Synchrony MC $8000, Citi AAdvantage MC $7300, Amazon Chase Visa $5000,Mercury $4900, CareCredit $2500, MissionLane $1600, FirstSavings $2000, US Bank State Farm Visa $1000, CreditOne $1000
My goal cards: AAA Cashback, FirstTech FCU Platinum, FNBO Evergreen, NASA Platinum, Bellco, Alliant
My personal blacklist: CapitalOne, BankOfAmerica, WellsFargo, Discover

Starting Score: 726 (Experian VantageScore3)
Current Score:738
Goal Score: 745 (by 8/1/25)

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Snook_on_the_Line · ‎11-28-2024

Unsolicited clis are always a welcome surprise.

congrats on your approvals

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k

^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900

Zoostation1 · ‎11-28-2024

Congrats on the CLIs!

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

Apr 2025 FICO 8:

Apr 2025 FICO 9:

JoeRockhead · ‎11-29-2024

No better surprise that some auto CLIs, congratulations!

NoMoreDebt · ‎11-30-2024

congrats

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

yam1rts · ‎11-30-2024

Synchrony just closed my Paypal Smart Connect for lack of use, so congratulations on the auto CLI.

Starting Score: 789
Current Score: 801
Goal Score: 850

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cashorcharge · ‎11-30-2024

That’s Terrific!! Congratulations on your Approvals!!👏🏼🍾🥂

firefox100 · ‎11-30-2024

Congratulations on your Auto credit increase they are best have fun enjoy it all.

CreditAggie · ‎12-01-2024

Congratulations on your CLIs!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

coreyb80 · ‎12-02-2024

Congrats on the increases!

Credit Limit Increases

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Credit Limit Increases