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Hit the 91 day mark... We kind've hesitant since I just got the several INQ's from NFCU during my approval process, but since the account han't posted to my credit reports yet, I figured what the heck?
+$1,000 for my frist CLI. Used it heavily for three months, then PIF before the closing date and waited until the balance updated on my CR.
Now I will have all my CC debt at 0% AND I can close yet another low-limit card... I've got a couple of stupidly-obtained Comenity store cards that will go bye bye when they hit 1 year.
NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC: $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K
Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814
Dalmus
Congrats on the Discover cli, I'm still waiting for one and I've learned to not carry a balance so hopefully that increase is in my near future. I plan on closing some of my comenity cards that I haven't used in a year as well. Wishing you the best on your journey.
Congrats! Can't wait for my first Disco CLI!
"Use your Credit wisely, don't let it use you!"~Me
@Maxi11510 wrote:Dalmus
Congrats on the Discover cli, I'm still waiting for one and I've learned to not carry a balance so hopefully that increase is in my near future. I plan on closing some of my comenity cards that I haven't used in a year as well. Wishing you the best on your journey.
In months 1-3, I let about 50% usage post. I think what they like to see is that DECREASE in average balance right before a CLI request.
I say that that because I tried last month and my denial reason was "History of increasing balance," instead of "Not enough experience at current credit limit."
NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC: $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K
Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814
Congrats!
Dalmus, Congratulations on your CLI!! Looking forward to my first one in the next couple of months!
Congrats!