Its been 92 days since my last cli 3000 - 4500.
Todays sp cli 1000 , 4500 - 5500
My initial bt offer on card # 2 turned into a mess so this card has a zero for 12 offer but i was looking to bt 2k and my limit of 4500 left me an uncomfortable head room, now with a cl of 5500 its a bit better.
Ive had this card 17 months
first cli came at 14 months 3000 - 4500
My 2nd Discover it cb card came 4 months ago with a 6000 sl
My first cli request on card 1 was at 9 months and was denied
my ficos are in the 680 - 690 range
plenty of new accts and inqs
I normally use the card regularly and have had a running balance of anywhere from 200 -- 1500 depending on my spend and bt activity, never pif
so far in 17 months 3000 - 4500 - 5500, card # 1
{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
