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LOWES CLI - am I being too greedy?

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nbean
Regular Contributor
‎03-30-2014 07:19 PM
‎03-30-2014 07:19 PM

LOWES CLI - am I being too greedy?

Apped online and was approved for $800. Called back door and was able to raise to $3K! 

Today I went and bought a Weber grill I've been eyeballing for a while with the 0% for 6mnths. It ate most of the CL. Do you think I should call back door to raise the CL again so that my utility isn't maxed? My ficos are in mid 680s.

First Ent Visa $21,800, Nasa PLOC $10K, Nasa CC $10K, Citi DoubleCash $12,200K, Penfed Promise $6K, Penfed Cash Rewards $5K, Total Rewards Visa $20K Lowes $35K QuickSilver CapOne WM $20K United Chase VS $2,800 Hyatt Chase VS $2,800 TJMaxx Mastercard $8K Barclays Rewards $3,700, Pier One $8,500 Walmart MC $8K Kohls $3K, Overstock $8,900, Discover $8K, Home Depot $20,700, JCP $10K, Victoria's Secret $5K, Ballard $10K, WilliamsSonoma Visa $11K, Grandin $4K, Banana Republic Visa $6K, Avianca Vida $25K, BoA $15K,BoA 3-2-1 $7,500
Message 1 of 19
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18 REPLIES 18
gdale6
Moderator Emeritus
‎03-30-2014 07:23 PM
‎03-30-2014 07:23 PM

Re: LOWES CLI - am I being too greedy?

Grats on the approval and the CLI, I would wait a few months before calling Cred Solutions again for another CLI. Smiley Happy

Message 2 of 19
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nbean
Regular Contributor
‎03-30-2014 07:47 PM
‎03-30-2014 07:47 PM

Re: LOWES CLI - am I being too greedy?

Ok, I did it anyways. Called credit solutions and bumb bum bum  . . .doubled the CL to $6K. I can't believe it - the initial online approval two nights ago was $800. 

Crazy. I'm beyond happy.

 

First Ent Visa $21,800, Nasa PLOC $10K, Nasa CC $10K, Citi DoubleCash $12,200K, Penfed Promise $6K, Penfed Cash Rewards $5K, Total Rewards Visa $20K Lowes $35K QuickSilver CapOne WM $20K United Chase VS $2,800 Hyatt Chase VS $2,800 TJMaxx Mastercard $8K Barclays Rewards $3,700, Pier One $8,500 Walmart MC $8K Kohls $3K, Overstock $8,900, Discover $8K, Home Depot $20,700, JCP $10K, Victoria's Secret $5K, Ballard $10K, WilliamsSonoma Visa $11K, Grandin $4K, Banana Republic Visa $6K, Avianca Vida $25K, BoA $15K,BoA 3-2-1 $7,500
Message 3 of 19
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-Wade-
Valued Contributor
‎03-30-2014 08:30 PM
‎03-30-2014 08:30 PM

Re: LOWES CLI - am I being too greedy?

@nbean wrote:

Apped online and was approved for $800. Called back door and was able to raise to $3K! 

Today I went and bought a Weber grill I've been eyeballing for a while with the 0% for 6mnths. It ate most of the CL. Do you think I should call back door to raise the CL again so that my utility isn't maxed? My ficos are in mid 680s.

Congrats on your success Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 19
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j_casteel
Valued Contributor
‎03-30-2014 09:51 PM
‎03-30-2014 09:51 PM

Re: LOWES CLI - am I being too greedy?

gotta love Lowe's

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 5 of 19
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coldnmn
Mega Contributor
‎03-31-2014 01:10 AM
‎03-31-2014 01:10 AM

Re: LOWES CLI - am I being too greedy?

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 19
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B335is
Moderator Emeritus
‎03-31-2014 01:34 AM
‎03-31-2014 01:34 AM

Re: LOWES CLI - am I being too greedy?

Congrats!!! I always ask for 3x my limit from GE Smiley Happy
Message 7 of 19
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Uppingmyscore
Established Contributor
‎03-31-2014 03:04 AM
‎03-31-2014 03:04 AM

Re: LOWES CLI - am I being too greedy?

Good Job!!!

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Delta SkyMiles $10,000, Discover $14,000, Chase Freedom $23,500, Capital One $8,000, SAMS $10,000, and LOWES $10,000
Message 8 of 19
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bobbay
Established Contributor
‎03-31-2014 06:31 AM
‎03-31-2014 06:31 AM

Re: LOWES CLI - am I being too greedy?

Nice work!  You inspired me to call this morning since I need new counters.

Current Score: EX 712 4/28/15, TU 713 4/14/14 lender pull, EQ 723 9/16/15, 740 EQ bankcard 8 6/1/15 lender pull
Last app 03/12/17

Message 9 of 19
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yudeology101
Senior Contributor
‎03-31-2014 07:23 AM
‎03-31-2014 07:23 AM

Re: LOWES CLI - am I being too greedy?

Nicely done, OP!   Trying asking $60k next time!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 10 of 19
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