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Just want to share my positive story of recent CLI

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Just want to share my positive story of recent CLI

Sorry for the long post, just trying to include all the details in case people have questions later.

 

I started off college with a BoA cash rewards card with a $700 limit and a wells fargo card with a $400 limit. I've also taken out several small student loans each year for college expenses.

 

This past summer I had a solid internship so my finances were in better order. So about 5 months ago I began shopping for more credit cards. Ended up getting the boa travel rewards card with a $5000 limit and an amex everyday card with a $6000 limit.

 

Then, about a month ago I also got approved for the citi thank you preffered card with a $5700 limit.

 

Yesterday I decided to try my luck with the 3x CLI with amex since it had been over 3 months. I was reading on here that there wouldn't be a hard pull so it was worth a shot. Got instantly approved online for the $18,000 limit! 

 

I've had a good track record with my boa travel card as well, using it for large purchases but also paying off large sums each month. I knew there would be a hard pull if I hit the luv button, but I was feeling good and went for it. I requested $12,000 and they gave me $10,100 instead, also instantly approved!

 

This brings my current cards to:

 

$     400 Wells Fargo

$     700 BoA Cash Rewards

$  5,700 Citi Thankyou Preffered

$10,100 BoA Travel Rewards

$18,000 Amex Everyday

 

$34,900 Total Credit

 

This is way more than I'll use, but it will help me keep great utilization ratios, and I think I'll be starting off my life after college with an opportunity to have great credit. I think in a few more months I'll ask for a CLI on the other cards as well, just because it seems odd to have one card with a $400 limit and another with $18,000. 

 

Wanted to come back and share my experience so others could also have the courage to apply for more credit, and thank those who shared their stories beforehand.

 

A little about me: I'm a college student, about to graduate in 2 months and begin my career making 65000 (this is what I've been including on my credit card applications).

 

Curremt creditkarma score: 718

9 REPLIES 9
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Contributor

Re: Just want to share my positive story of recent CLI

Congrats that's awesome. Definitely a good feeling.
Stash Platinum Visa $20,000, Amex ED $6,000, BBVA NBA AMEX 4,000, BankAmericard Cash rewards $7500, Barclay Ring $2,000 Barclay Cash Forward $1,000, Cap one BuyPower Card $500, Paypal Smart Connect $10,000 Fico 8 Trans 738 Experian 685 Equifax 696
Message 2 of 10
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Contributor

Re: Just want to share my positive story of recent CLI

Congrats!

Message 3 of 10
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Valued Contributor

Re: Just want to share my positive story of recent CLI

Congrats on your journey and Cli's 

 

how long has it been since you got your travel rewards cli ? If within 30 days, I suggest you call the 

 

back door and use the same pull to get a cli on your cash rewards .they will use the same HP if within 30 days.

Message 4 of 10
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Valued Contributor

Re: Just want to share my positive story of recent CLI

Congratulations!

Message 5 of 10
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Community Leader
Senior Contributor

Re: Just want to share my positive story of recent CLI

Congrats!

Message 6 of 10
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Super Contributor

Re: Just want to share my positive story of recent CLI

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 7 of 10
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New Member

Thanks!   And oh I was wondering if that was a possibilit...


@ScoreOrBeScored wrote:

Congrats on your journey and Cli's 

 

how long has it been since you got your travel rewards cli ? If within 30 days, I suggest you call the 

 

back door and use the same pull to get a cli on your cash rewards .they will use the same HP if within 30 days.


Thanks!

 

And oh I was wondering if that was a possibility, but I couldn't find any information on it. Yes I got the CLI just yesterday. I will definitely call them and see if they will increase the limit using the same HP. I wonder what credit limit I should ask for? It's strange having one card at $10,100 and another with just $700 at the same bank. If you have any suggestions I would love to hear them, or if you can link me to somewhere where I can find information like this.

Message 8 of 10
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New Member

Re: Thanks! And oh I was wondering if that was a possibilit...

Update:

 

I called the number on the back of the card and they told me that I would have to do 1 HP pull for each CLI. I told them I'd think about it. I ended up asking for an increase from $700 to $5000 anyways. I got the 7-10 business days message, so I figured I asked for too much.

 

I realized what you meant by backdoor was to call a special number, so I searched this forum for the BoA credit analyst backdoor number, and called that.

 

I talked to a new person, and they said they'd review the CLI. He countered with $2000 instead of $5000, which works for me.

 

At the end of the conversation, I asked if this was 1 inquiry or 2, and he said just one, and read me that date of 3/26 on the report (the day I applied for the travel rewards CLI).

 

Basically, it worked! Got the CLI on just one hard pull. Thanks again for the advice!

Message 9 of 10
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Senior Contributor

Re: Just want to share my positive story of recent CLI

Well done, congrats on your success !!

Message 10 of 10
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