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Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Gonzozap
Frequent Contributor

Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

I received an Experian alert telling me one of my credit cards had a limit increase.  I logged in and saw it was SDFCU.

 

Here's my history:

 

  1. Applied & received secured card early 2015 during rebuilding
  2. Card went unsecured around Dec 2018 (w/o me asking)
  3. Received unsolicited limit increase around Nov 2019 to a stingy $750
  4. Just got notification of unsolicited CLI to $6250

So, this is how long it takes SDFCU to believe me worthy of decent credit.  For all those who have a secured SDFCU card, there is hope, but takes a while.  I have always used this card a LOT.  Would have to pay on the bill often since I wanted to keep the reported balance at near $0.  I kinda liked the fact that the limit was low to avoid being too exposed with a big limit - given how often I use the card.

 

I have also had 3 personal loans with SDFCU - paid off early.  Everything with excellent payment history. Don't know if having the loans affected how they handled the card & CLIs.

Message 1 of 12
11 REPLIES 11
gdale6
Moderator

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Sweet on that auto luv, quite a large increase Smiley Happy

Message 2 of 12
AllZero
Mega Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Congratulations on your CLI!
Message 3 of 12
Slabenstein
Valued Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Grtz on your big bump!


Message 4 of 12
blindambition
Senior Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Congrats on that sweet auto CLI ❤️!!!

Smiley Happy

Message 5 of 12
M_Smart007
Legendary Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Congratulations!

Message 6 of 12
cashorcharge
Community Leader
Senior Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Love those AUTO-CLI's!! Terrific!  Congratulations on your approval!

Message 7 of 12
dudefromtx
Established Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

Congrats on your auto CLI!

Message 8 of 12
Caprisun987
Frequent Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured

@Gonzozap Congrats on the CLI! Thats a nice step up! 

 

Mind letting us know your scores when you first got the card and when it graduated?

Message 9 of 12
Gonzozap
Frequent Contributor

Re: Just Got a MAJOR Unsolicited CLI on SDFCU Card - Originally Secured


@Caprisun987 wrote:

@Gonzozap Congrats on the CLI! Thats a nice step up! 

 

Mind letting us know your scores when you first got the card and when it graduated?


Gee, that's tough to recall.  I think my score was about 560 when I got the card.  When they refunded my security, scores maybe were 680. When they gave me the stingy increase Nov 2019, scores were about 770.  Best score today is 835.

Message 10 of 12
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