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Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

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App_Addict
Valued Contributor
‎09-16-2022 07:04 PM
‎09-16-2022 07:04 PM

Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

I have had this card for about 5 months started with a $3,400 Credit Line.  I tried  less than a month ago for a CLI and was denied and they performed a HARD pull!  I'm now in the garden and did not realize they would do a hard pull.  So, now I have put a freeze on all my reports so this does not happen again. 

 

I then decided to see what would happen now that they could not hard pull my report and to my somewhat suprise they approved a $1,500 increase without being able to HP my report!  Thought that was interesting.

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

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KingRue8500
Senior Contributor
‎09-16-2022 08:11 PM
‎09-16-2022 08:11 PM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

Congrats on your Jared Gold Card CLI




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Stealth-1
Established Contributor
‎09-16-2022 09:00 PM
‎09-16-2022 09:00 PM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

Congrats on your CLI. 👍




"If you don't stand for something, you might fall for anything."
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nytokyobred79
Valued Contributor
‎09-17-2022 07:19 AM
‎09-17-2022 07:19 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

Congrats on your CLI

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $204,500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 19.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
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M_Smart007
Legendary Contributor
‎09-17-2022 07:36 AM
‎09-17-2022 07:36 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

@App_Addict,

Congrats on The Galleria Of Jewelry Gold Credit Card CLI magic wand.gif

 

No treatment, like the  freeze treatment!screamer emoticon.gif

(click image to enlarge)(click image to enlarge)

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SUPERSQUID
Valued Contributor
‎09-17-2022 07:57 AM
‎09-17-2022 07:57 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

CONGRATS!!!!!!

Rcccccccccccc.jfif

{ 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
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SUPERSQUID
Valued Contributor
‎09-17-2022 08:00 AM
‎09-17-2022 08:00 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

@M_Smart007 wrote:

@App_Addict,

Congrats on The Galleria Of Jewelry Gold Credit Card CLI magic wand.gif

 

No treatment, like the  freeze treatment!screamer emoticon.gif

(click image to enlarge)(click image to enlarge)

Freezing doesnt always lead to a favorable outcome.

Rvvvvvvvvvvv.jfif

 

 

 

 

{ 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
Message 7 of 11
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gdale6
Moderator Emeritus
‎09-17-2022 08:41 AM
‎09-17-2022 08:41 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

@App_Addict wrote:

I have had this card for about 5 months started with a $3,400 Credit Line.  I tried  less than a month ago for a CLI and was denied and they performed a HARD pull!  I'm now in the garden and did not realize they would do a hard pull.  So, now I have put a freeze on all my reports so this does not happen again. 

 

I then decided to see what would happen now that they could not hard pull my report and to my somewhat suprise they approved a $1,500 increase without being able to HP my report!  Thought that was interesting.

Applying a freeze with a creditor you already do business with doesnt stop SPs HPs. They were able to use their last SP to give you the increase.

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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎09-18-2022 02:25 PM
‎09-18-2022 02:25 PM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

Congratulations on your Jared CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 11
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Laredo
Contributor
‎09-19-2022 07:42 AM
‎09-19-2022 07:42 AM

Re: Jared The Galleria Of Jewelry Gold Credit Card Credit Card Increase after Credit Freeze

I closed my Jared card last week and they told me I had 30 days to decide if I want it open again.  I called this past weekend and re-opened it.  I only use it when there is a promo with 0% interest.  I started with $1K and over time Jared provided two CLIs and now have a $5K limit.  Give them time and Jared will provide a CLI.

Congratulations on your increase.  

(Ch13 Discharged 07/22) Current Cards: American Express Gold: NPSL | American Express Blue Cash Everyday: $15,000 | American Express Delta SkyMiles Platinum: $1,700 | Navy Federal Credit Union Cash Rewards: $10,000 | Dover Federal Credit Union Cash Back: $10,000 | Penfed Cash Rewards: $7,500 | Truist Enjoy Cash: $5,500 | Truist Enjoy Travel: $5,500 | Truist Future: $3,500 | Bread American Express Cash Back $8,500 | Discover it $12,000 | USAA Rewards Amex $12,000 | Kohl’s $800 | Care Credit $7,000 | Lowes $3,000 | Amazon Store Card $1,500 | Jared $5,000
Total Revolving Credit: $108,500
Closed Rebuild Cards: Ollo Platinum: $3,900 | Ollo Rewards: $3,000 | Mercury $3,000 | Surge Card $1,000
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