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Langley Federal Visa Suprise Auto Luv

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Community Leader
Mega Contributor

Langley Federal Visa Suprise Auto Luv

Ok, color me shockedSmiley Wink. I saw my Ex dropped 5 points on my Amex checkup so i decided to check my Experian to see why. Lol had two alerts . One for score drop, uh duh! The other was quite suprising. Langley Federal Credit Union decided to give my $5k Visa Select an auto cli of $1250Smiley Happy

Yuppers, $6250 now with very little usage. Just an occasional charge every 4 months to keep active. It is my jewel low apr card though . I believe like 8.50% or somewhere around there after Fed card. Must be my 1 year anniversarySmiley Happy. Woo hooSmiley Happy Thanks LangleySmiley Happy
Message 1 of 26
25 REPLIES 25
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Super Contributor

Re: Langley Federal Visa Suprise Auto Luv

Congratulations on your CLI!
Message 2 of 26
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Valued Contributor

Re: Langley Federal Visa Suprise Auto Luv


@AverageJoesCredit wrote:
Ok, color me shockedSmiley Wink. I saw my Ex dropped 5 points on my Amex checkup so i decided to check my Experian to see why. Lol had two alerts . One for score drop, uh duh! The other was quite suprising. Langley Federal Credit Union decided to give my $5k Visa Select an auto cli of $1250Smiley Happy

Yuppers, $6250 now with very little usage. Just an occasional charge every 4 months to keep active. It is my jewel low apr card though . I believe like 8.50% or somewhere around there after Fed card. Must be my 1 year anniversarySmiley Happy. Woo hooSmiley Happy Thanks LangleySmiley Happy

Did you have some balance on it at the time of the CLI? My CLIs typically don't change my score, and after the alert 1 see the typical 1 pt up or down weekly change. 

Scores, HPs/24 mos. (updated 4/08/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 834, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 3 of 26
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Community Leader
Mega Contributor

Re: Langley Federal Visa Suprise Auto Luv

@CardNut no balance on my Langley card though i did just use it a couple weeks ago and paid it when charge posted. Not sure what caused my point drop but i have a few cards that like to report a balance as soon as a recurring charge happens...munchesSmiley Sad Smiley Wink Not too concerned there. Seems ill forever be entrenched in 730-750 range lol on my reportsSmiley Wink.
Message 4 of 26
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Contributor

Re: Langley Federal Visa Suprise Auto Luv

Always a nice surprise to get some Auto Luv! Congrats!





Message 5 of 26
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Established Contributor

Re: Langley Federal Visa Suprise Auto Luv


@AverageJoesCredit wrote:
Ok, color me shockedSmiley Wink. I saw my Ex dropped 5 points on my Amex checkup so i decided to check my Experian to see why. Lol had two alerts . One for score drop, uh duh! The other was quite suprising. Langley Federal Credit Union decided to give my $5k Visa Select an auto cli of $1250Smiley Happy

Yuppers, $6250 now with very little usage. Just an occasional charge every 4 months to keep active. It is my jewel low apr card though . I believe like 8.50% or somewhere around there after Fed card. Must be my 1 year anniversarySmiley Happy. Woo hooSmiley Happy Thanks LangleySmiley Happy

Gotta give it up for my buddy AJC!!!! Way to go on that autolove!!

No work involved additional credit is the best :-)

Enjoy your success,

Cheers

 

Message 6 of 26
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Senior Contributor

Re: Langley Federal Visa Suprise Auto Luv

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 26
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Community Leader
Mega Contributor

Re: Langley Federal Visa Suprise Auto Luv

Thanks everyoneSmiley Happy This was a true suprise. Heck i even sent a couple bucks to my Savings thereSmiley Wink. Quid pro yo or something lolSmiley Happy best autos are the ones you dont even see comingSmiley Happy
Message 8 of 26
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Moderator

Re: Langley Federal Visa Suprise Auto Luv

congrats @AverageJoesCredit they wont touch a CC from a mile away with me they think i got to much credit or my dti is 33% or whatever it was Smiley Tongue...  They keep sending me CC mailers but they fooled me once and wont get me again lol.  Have a few hundred parked in their checking letting it marinate until if ever need them for whatever I might have them.  

Message 9 of 26
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Moderator

Re: Langley Federal Visa Suprise Auto Luv

Auto-luv is the best!  Great job, my friend!  Smiley Very Happy  screamer.gif

 

Image result for like a boss meme

Message 10 of 26
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