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For SYF science, Crate & Barrel MC approval

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reluctantgarden
Frequent Contributor

For SYF science, Crate & Barrel MC approval

The Lowe's experience caused a minor obsession with how much CL one can get out of SYF in three days. So, in the spirit of inquiry and not caring nearly as much about a TU pull than EX, it turns out the answer is $9.5k, to add to the $35k Lowe's. And SYF passed Chase as my second-largest CCC, with $74.5k in limits.

 

Other observations: 

--Probably because it's a MC and possibly due to Lowe's CL size, I didn't have instant CLI success.

--Adding four CCs earlier this year caused about a seven-point hit on FICOs that then more than rebounded, so I assume these two plus the COF Pottery Barn MC will drop me similarly, to around 785 or so.

--I'm now at 31 CCs/LOCs plus 4 AUs on P2's, so I think we're retiring to CLIville.

 

Message 1 of 15
14 REPLIES 14
JoeRockhead
Community Leader
Super Contributor

Re: For SYF science, Crate & Barrel MC approval

Nice, congratulations!

Message 2 of 15
reluctantgarden
Frequent Contributor

Re: For SYF science, Crate & Barrel MC approval


@JoeRockhead wrote:

Nice, congratulations!


Thank you sir!

Message 3 of 15
NoMoreDebt
Senior Contributor

Re: For SYF science, Crate & Barrel MC approval

Congrats on your CLI

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ 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
Message 4 of 15
reluctantgarden
Frequent Contributor

Re: For SYF science, Crate & Barrel MC approval


@NoMoreDebt wrote:

Congrats on your CLI


Thank you!

Message 5 of 15
CreditCuriosity
Moderator Emeritus

Re: For SYF science, Crate & Barrel MC approval

Hopefully you just use card for deferred financing if you shop at crate and barrell and rewards expire quickly!  I spent a lot of money at said store and though about card, but with rewards expirig so quickly i think 3 months it wasn't a card I wanted personally and juts use a 3% AOD card for shopping there.

Message 6 of 15
reluctantgarden
Frequent Contributor

Re: For SYF science, Crate & Barrel MC approval

I'll likely use the 10% rewards for small stuff and deferred for a couple of larger things coming up. I've been a huge fan because I lived in Chicago for 20 years. And I like that it's a usable store card, open-loop MC, and CL padding.

Message 7 of 15
BigBS
Senior Contributor

Re: For SYF science, Crate & Barrel MC approval

Congrats on the approval!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 8 of 15
reluctantgarden
Frequent Contributor

Re: For SYF science, Crate & Barrel MC approval

Thanks so much! 


@BigBS wrote:

Congrats on the approval!


 

Message 9 of 15
cashorcharge
Community Leader
Super Contributor

Re: For SYF science, Crate & Barrel MC approval

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Message 10 of 15
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