Double Cash CLI

[Anonymous]

I was calling on all my credit cards today to get all the information on them to keep in one exel doc.. While doing so, I requested APR reductions and soft pull CLI's wherever possible..  I was doing good until I got to my Double Cash...  $2,600 just was not enough for me to be able to use it without worrying about util..  I took a hard pull on it, but it paid off!!!  That card is now at $10,000 and I can finally use it without worrying about util!!  Between that, a few APR reductions, and a few CL increases, am now VERY satisfied with where I am at and can finally garden long term.  

Thank you MyFicoers for sharing all your experiences.. while I'm a relatively new member and haven't posted near as much as many of you, I have lurked for quite a while and have learned an immense amount of information from all of you!  Now time to garden.. only inquiries on the horizon are a vehicle loan within 2 years and a mortgage to follow.  Thank you!

[Anonymous]

That was definitely worth the HP. Congrats.

[Anonymous]

Freakin A! The only other one on the list is my Costco card.. Using it for gas as I have been is no problem to keep it under 10% or $500/mo.. but if I travel in the future and want to take advantage of 3% on hotels, rental cars, airfare... it needs to grow a bit. They offered to transfer some of my DC limit to it, but for the time being, I think it's best to keep the full 10k on my DC and keep my Costco at 5k. Man, never would have expected THESE to be my concerns even 1 year ago.

[Anonymous]

Thats a very nice CLI, congrats on the approval. In 2 years this HP will be gone and you can request $30k next time

[Anonymous]

My next goal is to get each of my cards to at least $12,250 with a total credit limit of at least $100,000. The $12,250/ card would allow me to put over $1000 on any given card and still be under 9% util on any card. The $100,000 total CL is just peace of mind.  If I had to choose any specific card to get up to $30,000+, the Double Cash would definately be the one...  My other cards are all relatively limited in that I only use them for certain categories.  My PCMCU offers 5% back but only up to $1000 in spend per month... so for a general spend card- the Double Cash would be the one.  I'll get there.   Imagine buying an ATV or other large purchase on a CC, paying in full and getting 2% back..  On say an $10,000 machine, that'd be $200 in rewards in one go!  Someday! Though, with my current income and spending, I'm more than satisfied with where I'm at.

[Anonymous]

Congrats! What a bump on CL! That was certainly worth the HP. I can't seem to get them to budge on mine. Maybe after some of my INQs fall off, I'll try the same.

[Anonymous]

Based on other stories I read, I figured they'd come back at $3800 or something.. did not expect to receive the full $10,000...  I was very polite with the rep I spoke to before transfering me to the credit analyst..  Also polite with him and thanked him etc..  I told him that I have several other cards with much higher limits, my average being about 10k and that I would definately move most of my spending to the DC if it had that type of limit.. I also mentioned I've never missed a payment on anything in my life and that I'm in love with these Citi products- just wish I could use them more.  He put me on hold for several minutes before coming back to approve for the full 10k..  I almost wonder if I left anything on the table.. but also couldn't fathom requesting anything more.. this was just short of 4x CLI as it is.  There's hope, just keep trying.

[credit_endurance]

Congrats on the increase! If you don't mind me asking what are your scores currently? I want request a HP cli soon but want to make sure my scores are high enough

[Anonymous]

I get my scores free from Discover (TU), AMEX (EX), and Citi(EQ). They are 741, 713, and 729 as of 8/5, 8/6, and 7/26 respectively...they've dipped with having a few new accounts this year but are currently back up to about what they were when I originally got it. I think just the solid usage and payment history is what they were looking for.

[Anonymous]

Congrats on your great CLI!