About a week or so ago my last derog dropped off TU and my score bumped up to around 730'ish. I went ahead and apped for the Apple card and was instantly approved @ $4k, about 2 days later I had an offer for the Amex Gold and went for that. At the same time I tried for a CLI on my Lowe's card since my IKEA had just CLI'ed about a month ago to $15k. Unfortunately I was denied a CLI from $12k (bumped to 12k sometime in Jan). At the time, I was taking advantage of the 0% APR on my BBVA and had it sitting around 90%. (Wasn't anticipating my last derog dropping until around Sept, but went ahead and tried for an early exclusion and was approved)
So I went ahead and PIF my BBVA, it reported today and it jumped to 766 (!!). (Completely clean file, no 30's, nothing) So I went ahead and tried again for a CLI on my Lowe's card. Instantly approved for a CLI bump to $20k.
Anyway, for those that know, how high can I push this since they have you request your new limit? If I ask for too much, will they come back with a lower amount? The instant CLI made me think I should have tried for $50k. Thoughts? (I won't be doing another CLI for another 3 months, just curious what you guys think)
$35k is the max that most try to push for (including me.)
I think that is the max or the max without POI.
GL!
DTIR is very good. Income ~ 95k (actually more, but what I report - I'm self employed) and have zero debt and expenses are very low. (All accounts are PIF - might have one or two with $3-5 reporting since I forgot to pre-pay the monthly fee. -- Yes, I'm closing those soon) Thanks for your input and keep at it, you'll get there 
So my concern when I'm pushing for a CLI is my AAoA as it's pretty low (~1year) since most of my accounts have been in the last year or two during my rebuild. Should I be concerned about that? Also have added quite a few cards just in the last 6-12 months. (3 in the last few)
Going to try again in 3, what do you recommend I push for? $25k was my immediate thought and then let it age at that. I don't use my Lowe's card for more than maybe $1k max per month. (Have almost every Dewalt I could ever want lol)
🎊 Congratulations on your approvals and CLI!
Congratulations on your CLI!
Grats on the 20K line!
I would wait 6 months and let everything age some more then request the max without POI of 35K, they will counter if it cant all be approved.
